Side-by-side · Q2 2026 data
Frandsen Bank & Trust vs Stearns Bank National Association
Metric by metric
| Measure | Frandsen Bank & Trust | Stearns Bank National Association |
|---|---|---|
| TellerScore | 71 (stronger) | 67 |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 76 (stronger) | 12 |
| Earnings | 93 | 100 (stronger) |
| Funding & liquidity | 62 (stronger) | 49 |
| Problem-loan coverage | 89 (stronger) | 65 |
| Peer percentile | 63rd | 44th |
| Total assets | $3.7B | $3.3B |
| Deposits / shares | $3.1B | $2.4B |
| Capital ratio | 10.02% | 15.42% (stronger) |
| Problem loans | 0.71% (stronger) | 2.65% |
| Net charge-offs | 0.11% (stronger) | 2.05% |
| Return on assets | 1.82% | 2.09% (stronger) |
| Loans ÷ deposits | 79.5% (stronger) | 114.8% |
| Uninsured deposits | 31.8% | 15.9% (stronger) |
| Offices | 39 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.9% | — |
Frandsen Bank & Trust has the higher TellerScore (71 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Frandsen Bank & Trust leads on 4 and Stearns Bank National Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Pine City, MN