Side-by-side · Q2 2026 data
Stearns Bank National Association vs Liberty Bank Minnesota
Metric by metric
| Measure | Stearns Bank National Association | Liberty Bank Minnesota |
|---|---|---|
| TellerScore | 67 | 86 (stronger) |
| Capital cushion | 100 (stronger) | 79 |
| Loan quality | 12 | 100 (stronger) |
| Earnings | 100 (stronger) | 62 |
| Funding & liquidity | 49 | 100 (stronger) |
| Problem-loan coverage | 65 | 100 (stronger) |
| Peer percentile | 44th | 90th |
| Total assets | $3.3B | $290.2M |
| Deposits / shares | $2.4B | $262.9M |
| Capital ratio | 15.42% (stronger) | 12.90% |
| Problem loans | 2.65% | 0.00% (stronger) |
| Net charge-offs | 2.05% | 0.02% (stronger) |
| Return on assets | 2.09% (stronger) | 1.04% |
| Loans ÷ deposits | 114.8% | 51.7% (stronger) |
| Uninsured deposits | 15.9% | 9.1% (stronger) |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.3% |
Liberty Bank Minnesota has the higher TellerScore (86 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Stearns Bank National Association leads on 2 and Liberty Bank Minnesota on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.