Side-by-side · Q2 2026 data
Stearns Bank National Association vs Pine Country Bank
Metric by metric
| Measure | Stearns Bank National Association | Pine Country Bank |
|---|---|---|
| TellerScore | 67 | 78 (stronger) |
| Capital cushion | 100 (stronger) | 52 |
| Loan quality | 12 | 98 (stronger) |
| Earnings | 100 (stronger) | 76 |
| Funding & liquidity | 49 | 85 (stronger) |
| Problem-loan coverage | 65 | 99 (stronger) |
| Peer percentile | 44th | 72nd |
| Total assets | $3.3B | $380.3M |
| Deposits / shares | $2.4B | $335.1M |
| Capital ratio | 15.42% (stronger) | 10.24% |
| Problem loans | 2.65% | 0.06% (stronger) |
| Net charge-offs | 2.05% | -0.00% (stronger) |
| Return on assets | 2.09% (stronger) | 1.40% |
| Loans ÷ deposits | 114.8% | 72.3% (stronger) |
| Uninsured deposits | 15.9% (stronger) | 17.5% |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.1% |
Pine Country Bank has the higher TellerScore (78 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Stearns Bank National Association leads on 3 and Pine Country 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.