Side-by-side · Q2 2026 data
Stearns Bank National Association vs Neighborhood National Bank
Metric by metric
| Measure | Stearns Bank National Association | Neighborhood National Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 56 |
| Capital cushion | 100 (stronger) | 62 |
| Loan quality | 12 | 23 (stronger) |
| Earnings | 100 (stronger) | 65 |
| Funding & liquidity | 49 | 84 (stronger) |
| Problem-loan coverage | 65 (stronger) | 61 |
| Peer percentile | 44th | 13th |
| Total assets | $3.3B | $312.2M |
| Deposits / shares | $2.4B | $252.1M |
| Capital ratio | 15.42% (stronger) | 11.24% |
| Problem loans | 2.65% | 2.31% (stronger) |
| Net charge-offs | 2.05% | 0.00% (stronger) |
| Return on assets | 2.09% (stronger) | 1.13% |
| Loans ÷ deposits | 114.8% | 76.4% (stronger) |
| Uninsured deposits | 15.9% | 9.1% (stronger) |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.6% |
Stearns Bank National Association has the higher TellerScore (67 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Stearns Bank National Association leads on 3 and Neighborhood National Bank on 4. 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.