Side-by-side · Q2 2026 data
Stearns Bank National Association vs Bridgewater Bank
Metric by metric
| Measure | Stearns Bank National Association | Bridgewater Bank |
|---|---|---|
| TellerScore | 67 | 72 (stronger) |
| Capital cushion | 100 (stronger) | 66 |
| Loan quality | 12 | 84 (stronger) |
| Earnings | 100 (stronger) | 72 |
| Funding & liquidity | 49 (stronger) | 48 |
| Problem-loan coverage | 65 | 94 (stronger) |
| Peer percentile | 44th | 66th |
| Total assets | $3.3B | $5.4B |
| Deposits / shares | $2.4B | $4.4B |
| Capital ratio | 15.42% (stronger) | 11.65% |
| Problem loans | 2.65% | 0.49% (stronger) |
| Net charge-offs | 2.05% | 0.04% (stronger) |
| Return on assets | 2.09% (stronger) | 1.30% |
| Loans ÷ deposits | 114.8% | 100.0% (stronger) |
| Uninsured deposits | 15.9% (stronger) | 26.2% |
| Offices | 8 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.5% |
Bridgewater Bank has the higher TellerScore (72 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Stearns Bank National Association leads on 3 and Bridgewater Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.