TellerScore

Stearns Bank National Association is a national bank headquartered in Saint Cloud, Minnesota, in business for about 114 years. At the end of Q2 2026 it reported $3.3B in total assets and $2.4B in deposits, with 8 offices across 3 states.

Based on its Q2 2026 filing, Stearns Bank National Association scores 67/100, which we describe as moderate. That is higher than only 44% of 897 banks with $1 billion – $10 billion. Among 223 banks headquartered in Minnesota, it ranks 131st. Its strongest component is capital cushion (100/100; 15.42%), and its lowest is loan quality (12/100; 2.65%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.42%
Loan quality12/100
Noncurrent loans ÷ total loans: 2.65%
Earnings100/100
Return on assets (annualized): 2.09%
Funding & liquidity49/100
Loans ÷ deposits and uninsured-deposit share: 114.8% · 15.9% uninsured
Problem-loan coverage65/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 17.44%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 9 points (58 → 67), mostly because the earnings component improved by 53 points.

TellerScore
496172Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202468
Q4 202468
Q1 202549
Q2 202558
Q3 202568
Q4 202572
Q1 202668
Q2 202667
Tier 1 leverage ratio
5.00%11.12%17.23%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202416.80%
Q3 202417.02%
Q4 202417.23%
Q1 202516.14%
Q2 202514.12%
Q3 202514.75%
Q4 202515.79%
Q1 202615.11%
Q2 202615.42%
Noncurrent loans
1.92%2.29%2.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.98%
Q3 20242.01%
Q4 20242.20%
Q1 20252.54%
Q2 20252.18%
Q3 20252.12%
Q4 20251.92%
Q1 20262.47%
Q2 20262.65%
Return on assets
-0.41%0.85%2.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.31%
Q3 20241.28%
Q4 20241.56%
Q1 2025-0.41%
Q2 20250.68%
Q3 20251.60%
Q4 20251.85%
Q1 20262.10%
Q2 20262.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$3.3B15.42%2.65%2.09%114.8%
Q1 202668$3.3B15.11%2.47%2.10%109.7%
Q4 202572$3.3B15.79%1.92%1.85%110.1%
Q3 202568$3.4B14.75%2.12%1.60%112.4%
Q2 202558$3.5B14.12%2.18%0.68%106.6%
Q1 202549$3.2B16.14%2.54%-0.41%111.9%
Q4 202468$3.1B17.23%2.20%1.56%104.5%
Q3 202468$3.3B17.02%2.01%1.28%105.8%
Q2 202467$3.2B16.80%1.98%1.31%109.2%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.42%
93rd
Total risk-based capital17.52%
85th
Problem loans2.65%
5th
Net charge-offs2.05%
2nd
Return on assets2.09%
91st
Net interest margin6.04%
97th
Efficiency ratio52.8%
69th
Loans to deposits114.8%
3rd
Uninsured deposits15.9%
90th
Loan-loss reserves2.93%
98th
Texas ratio17.4%
5th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Minnwest BankBank Redwood Falls, MN68 out of 100, Moderate$2.9B10.8%0.56%vs
Frandsen Bank & TrustBank Lonsdale, MN71 out of 100, Strong$3.7B10.0%0.71%vs
Merchants Bank, National AssociationBank Winona, MN73 out of 100, Strong$2.9B11.5%0.53%vs
Tradition Capital BankBank Wayzata, MN61 out of 100, Moderate$2.7B8.9%0.01%vs
Think Mutual BankBank Rochester, MN86 out of 100, Very strong$2.2B16.3%0.25%vs
Deerwood BankBank Waite Park, MN68 out of 100, Moderate$1.5B8.1%0.29%vs

Deposit insurance

Is my money safe at Stearns Bank National Association?

Yes. Stearns Bank National Association is an FDIC-insured institution (FDIC certificate #10988). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 15.9% of deposits ($379.1M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.42%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.52% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

Stearns Bank National Association lists 8 offices in 8 cities across 3 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Stearns Bank National Association
Former names
Stearns County National Bank of Albany; Stearns County National Bank; Stearns County State Bank of Albany
Type
National bank
FDIC certificate #
10988
RSSD ID
141556
Primary regulator
OCC
Holding company
Stearns Finl Services Employee Stk Ownership Plan
Established
May 28, 1912
Headquarters
4191 2nd St S, Saint Cloud, MN 56301
Employees
455

Quick answers

Stearns Bank National Association: common questions

Is Stearns Bank National Association FDIC insured?

Yes. Stearns Bank National Association is an FDIC-insured institution (FDIC certificate #10988). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Stearns Bank National Association's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Stearns Bank National Association ever failed?

There is no failure record for FDIC certificate #10988 in the FDIC failed bank list.

How many branches does Stearns Bank National Association have?

8 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Saint Cloud

InstitutionScoreAssetsCapitalProblem loansCompare
Liberty Bank MinnesotaBank Saint Cloud, MN86 out of 100, Very strong$290.2M12.9%0.00%vs
Lake Central BankBank Annandale, MN86 out of 100, Very strong$291.3M11.2%0.04%vs
The First National Bank of MilacaBank Milaca, MN81 out of 100, Strong$293.2M10.8%0.37%vs
American Heritage National BankBank Long Prairie, MN80 out of 100, Strong$604.7M11.9%0.00%vs
Battle Bank, National AssociationBank Upsala, MN79 out of 100, Strong$180.8M33.3%0.00%vs
Pine Country BankBank Little Falls, MN78 out of 100, Strong$380.3M10.2%0.06%vs