Stearns Bank National Association
Saint Cloud, MN · National Bank · Part of STEARNS FINL SERVICES EMPLOYEE STK OWNERSHIP PLAN
Summary
- Total assets: $3.3 billion
- Total deposits: $2.4 billion
- Total loans: $2.8 billion
- Data as of June 30, 2026
Loan portfolio
Share of the bank's loans in each category.
| Construction & land | 14.7% |
| Multifamily | 5.0% |
| Owner-occupied commercial real estate | 12.6% |
| Non-owner-occupied commercial real estate | 8.1% |
| Residential | 4.1% |
| Commercial & industrial | 50.5% |
| Consumer & other | 5.0% |
Health indicators
- Tier 1 leverage ratio: 15.42%
- Total risk-based capital ratio: 17.52%
- Noncurrent loans: 2.65%
- Net charge-offs: 2.05%
- Return on assets: 2.09%
Local footprint
| County | Branches | Deposits |
|---|---|---|
| Sarasota, FL | 2 | $220 million |
| Pinellas, FL | 1 | $27 million |