BlastPoint's Banking Scorecard
Stearns Bank National Association
Saint Cloud, MN
8 branches across MN · FL · AZ
Stearns Bank National Association has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 5.9% in tier
- + Net Interest Margin 2.15% above tier average
- + Efficiency Ratio 8.77% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 39.5% in tier
- - Delinquency Rate 1.65% above tier average
- - Non-Interest-Bearing Deposit Share 13.64% below tier average
- - Nonperforming Asset Ratio 2.62% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.3B
+4.3% YoY
-1.4% QoQ
|
+$478.8M |
$2.8B
-0.1% YoY
|
$514.9M
+5.5% YoY
|
$6.2B
+9.0% YoY
|
74% |
| Total Loans ? |
$2.8B
-1.0% YoY
-2.5% QoQ
|
+$797.9M |
$2.0B
+0.6% YoY
|
$289.5M
+6.9% YoY
|
$3.2B
+10.7% YoY
|
80% |
| Total Deposits ? |
$2.5B
+0.9% YoY
-2.2% QoQ
|
+$173.6M |
$2.3B
-0.3% YoY
|
$445.6M
+5.0% YoY
|
$4.8B
+8.0% YoY
|
70% |
| Return on Assets ? |
2.10%
+614.6% YoY
+13.5% QoQ
|
+0.73% |
1.37%
+19.6% YoY
|
1.14%
+11.1% YoY
|
1.24%
+13.1% YoY
|
Top 7.9% in tier |
| Net Interest Margin ? |
5.97%
-5.2% YoY
-8.9% QoQ
|
+2.15% |
3.82%
+6.9% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Top 2.7% in tier |
| Efficiency Ratio ? |
52.28%
-8.7% YoY
-2.1% QoQ
|
-8.77% |
61.05%
-4.6% YoY
|
64.52%
-3.4% YoY
|
66.84%
-3.8% YoY
|
72% |
| Delinquency Rate ? |
2.54%
-2.9% YoY
+27.9% QoQ
|
+1.65% |
0.89%
+14.1% YoY
|
1.04%
+28.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 6.8% in tier |
| Loan-to-Deposit Ratio ? |
109.75%
-2.0% YoY
-0.3% QoQ
|
+25.55% |
84.20%
+0.3% YoY
|
76.74%
-0.5% YoY
|
76.69%
+0.9% YoY
|
Bottom 4.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.64%
-1.4% YoY
-19.2% QoQ
|
-13.64% |
21.28%
-2.5% YoY
|
21.89%
-0.8% YoY
|
22.01%
-1.1% YoY
|
Bottom 7.5% in tier |
| Nonperforming Asset Ratio ? |
3.30%
+7.8% YoY
+16.5% QoQ
|
+2.62% |
0.67%
+15.6% YoY
|
0.77%
+26.8% YoY
|
0.66%
+19.3% YoY
|
Bottom 1.8% in tier |
| Tier 1 Capital Ratio ? |
15.82%
-1.7% YoY
-2.9% QoQ
|
+0.65% |
15.17%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.12%
+30.0% YoY
-78.0% QoQ
|
-0.14% |
0.26%
+1.6% YoY
|
0.15%
+3.6% YoY
|
0.32%
+4.0% YoY
|
39% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.