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 Stearns Bank National Association
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Stearns Bank National Association
| RSSD ID 141556 | CERTIFICATE 10988 | ABA NUMBER 91910455 |
| 4191 2nd St S |
Quarter Ended : |
2026-03-31 |
| Saint Cloud, Minnesota, 56301 |
Updated : |
2026-04-29 |
| www.stearnsbank.com |
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| Institution Profile |
| Year Opened : |
1912 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
Yes |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
No |
| Filing Type : |
031 |
Foreign Offices : |
Yes |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
7 |
Number of Employees : |
459 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 3,296,457 |
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Total Interest Income | 66,868 |
| Total Liabilities | 2,739,653 |
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Total NonInterest Income | 3,845 |
| Total Bank Equity Capital | 529,600 |
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Total Interest Expense | 20,323 |
| Domestic Deposits | 2,518,510 |
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Total NonInterest Expense | 26,609 |
| Total Deposits | 2,518,510 |
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Net Income | 17,429 |
| Net Loans & Leases | 2,764,043 |
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Net Charge Offs | 20,464 |
| Loan Loss Allowance | 83,059 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 526,238 |
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Total loans | 2,860,578 |
| Total assets for the leverage ratio | 3,223,174 |
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Loans secured by real estate: | 1,286,731 |
| Leverage ratio | 15.11 |
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Commercial and industrial loans | 1,495,084 |
| Tier 1 Capital Ratio | 15.82 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 17.09 |
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Loans to individuals - Other | 1,432 |
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:· Stearns Bank National Association
