Stearns Bank National Assn (FDIC #10988): Bank Stress & Real-Estate Credit Exposure
Stearns Bank National Assn (FDIC Cert #10988): bank stress 26/100, contained, STABLE over 7 days; parent STEARNS FINL SERVICES EMPLOYEE STK OWNERSHIP PLAN.
Stearns Bank National Assn (#10988) lends in 5 counties across 3 states; Stearns Bank National Assn (#10988) reaches 265 ZIP codes: Florida 2 counties, 76 ZIPs; Minnesota 2 counties, 49 ZIPs; Arizona 1 county, 140 ZIPs.
Stearns Bank National Assn (#10988) largest markets: Maricopa County, AZ (140 branches, 140 ZIPs) (#10988), Pinellas County, FL (48 branches, 48 ZIPs) (#10988), Stearns County, MN (99 branches, 33 ZIPs) (#10988), Sarasota County, FL (56 branches, 28 ZIPs) (#10988), Pine County, MN (16 branches, 16 ZIPs) (#10988).
Stearns Bank National Assn (#10988) reports $3.27 billion in total assets; Stearns Bank National Assn (#10988) equity $534.6 million (16.3% of Stearns Bank National Assn (#10988) assets); Stearns Bank National Assn (#10988) domestic deposits $2.39 billion; Stearns Bank National Assn (#10988) net income $34.6 million; Stearns Bank National Assn (#10988) return on assets 2.09%; Stearns Bank National Assn (#10988) return on equity 12.78%; Stearns Bank National Assn (#10988) net interest income $93.6 million; Stearns Bank National Assn (#10988) call report June 30, 2026.
Stearns Bank National Assn (#10988) noncurrent real-estate loans: none reported; Stearns Bank National Assn (#10988) net charge-offs on real estate 3.95%; Stearns Bank National Assn (#10988) multifamily charge-offs 0.32%; Stearns Bank National Assn (#10988) residential charge-offs 4.82%.
Stearns Bank National Assn (#10988) net interest margin 6.04% against an eight-quarter Stearns Bank National Assn (#10988) average of 6.18% (Stearns Bank National Assn (#10988) compression 0.14 points); Stearns Bank National Assn (#10988) real-estate loans 0.3% of equity; Stearns Bank National Assn (#10988) non-residential real estate 482.3% of equity; Stearns Bank National Assn (#10988) rate-exposure score 40/100, Stearns Bank National Assn (#10988) fixed-rate trap 40/100; Stearns Bank National Assn (#10988) risk type rate trapped; Stearns Bank National Assn (#10988) rate regime rates elevated, Stearns Bank National Assn (#10988) snapshot October 20, 2026.
Stearns Bank National Assn (#10988) stress score moved from 25.9 on June 22, 2026 to 26.4 on October 20, 2026; Stearns Bank National Assn (#10988) ranged 25.9 to 26.4 over 117 snapshots.
Stearns Bank National Assn (#10988) alerts: 5 counties; top Stearns Bank National Assn (#10988) alert scores: Pine City County, MN 15 (low); Saint Cloud County, MN 15 (low); Saint Petersburg County, MN 15 (low); Scottsdale County, MN 15 (low); Venice County, MN 15 (low).