Side-by-side · Q2 2026 data
Stearns Bank National Association vs Tradition Capital Bank
Metric by metric
| Measure | Stearns Bank National Association | Tradition Capital Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 61 |
| Capital cushion | 100 (stronger) | 39 |
| Loan quality | 12 | 100 (stronger) |
| Earnings | 100 (stronger) | 56 |
| Funding & liquidity | 49 (stronger) | 20 |
| Problem-loan coverage | 65 | 97 (stronger) |
| Peer percentile | 44th | 24th |
| Total assets | $3.3B | $2.7B |
| Deposits / shares | $2.4B | $2.1B |
| Capital ratio | 15.42% (stronger) | 8.87% |
| Problem loans | 2.65% | 0.01% (stronger) |
| Net charge-offs | 2.05% | 0.09% (stronger) |
| Return on assets | 2.09% (stronger) | 0.91% |
| Loans ÷ deposits | 114.8% | 106.0% (stronger) |
| Uninsured deposits | 15.9% (stronger) | 45.4% |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Stearns Bank National Association has the higher TellerScore (67 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Stearns Bank National Association leads on 4 and Tradition Capital Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.