BlastPoint's Banking Scorecard
Stearns Bank National Association
Saint Cloud, MN
8 branches across MN · FL · AZ
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 17 in MN.
- Deposits -15.6% year over year ($2.4B on the books).
- Delinquency rate 2.73%.
- Return on assets 2.09%.
- Efficiency ratio 52.81% vs a 59.73% peer average.
- Loan-to-deposit ratio 114.76% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Stearns Bank National Association has 3 strengths but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 7.2% in tier
- + Net Interest Margin 2.17% above tier average
- + Efficiency Ratio 6.92% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 6.1% in tier
- - Liquidity Strain: Bottom 17.5% in tier
- - Liquidity Overhang: Bottom 22.7% in tier
- - Capital Constraint: Bottom 87.5% in tier
- - Delinquency Rate 1.87% above tier average
- - Non-Interest-Bearing Deposit Share 15.45% below tier average
- - Nonperforming Asset Ratio 2.75% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.3B
-7.7% YoY
-0.7% QoQ
|
+$481.1M |
$2.8B
-0.6% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
74% |
| Total Loans ? |
$2.7B
-9.1% YoY
-1.0% QoQ
|
+$774.4M |
$2.0B
-0.3% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
79% |
| Total Deposits ? |
$2.4B
-15.6% YoY
-5.3% QoQ
|
+$66.7M |
$2.3B
-0.5% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
68% |
| Return on Assets ? |
2.09%
+207.9% YoY
-0.3% QoQ
|
+0.70% |
1.39%
+17.0% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
Top 9.2% in tier |
| Net Interest Margin ? |
6.04%
-6.1% YoY
+1.1% QoQ
|
+2.17% |
3.87%
+6.2% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
Top 2.6% in tier |
| Efficiency Ratio ? |
52.81%
-4.1% YoY
+1.0% QoQ
|
-6.92% |
59.73%
-12.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
69% |
| Delinquency Rate ? |
2.73%
+21.4% YoY
+7.6% QoQ
|
+1.87% |
0.87%
+11.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
Bottom 5.3% in tier |
| Loan-to-Deposit Ratio ? |
114.76%
+7.7% YoY
+4.6% QoQ
|
+29.73% |
85.04%
-0.1% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
Bottom 3.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.82%
-14.7% YoY
-23.9% QoQ
|
-15.45% |
21.27%
-1.5% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 4.9% in tier |
| Nonperforming Asset Ratio ? |
3.43%
+33.3% YoY
+4.0% QoQ
|
+2.75% |
0.67%
+11.7% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 1.8% in tier |
| Tier 1 Capital Ratio ? |
16.25%
+14.7% YoY
+2.7% QoQ
|
+1.41% |
14.84%
-0.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.21%
+34.2% YoY
+76.2% QoQ
|
-0.32% |
0.53%
+2.5% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
32% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
5.8%
-1.0pp YoY -1.8pp QoQ |
-15.6pp | 21.4% | 21.9% | 22.2% | 4% |
| Brokered Deposits |
46.0%
-2.4pp YoY +2.7pp QoQ |
+36.6pp | 9.5% | 8.3% | 8.5% | 98% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
52.0%
-4.1pp YoY -0.9pp QoQ |
+38.0pp | 14.0% | 14.6% | 12.5% | 99% |
| CRE |
41.6%
+2.3pp YoY +0.6pp QoQ |
-8.4pp | 50.0% | 36.5% | 41.4% | 28% |
| 1-4 Family |
4.2%
0.0pp YoY -0.2pp QoQ |
-22.2pp | 26.4% | 29.4% | 31.3% | 6% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-4.7pp | 4.7% | 4.5% | 5.0% | 8% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.4%
+2.0pp YoY +0.5pp QoQ |
-0.2pp | 15.6% | 16.5% | 19.7% | 74% |
| Leverage Ratio |
15.4%
+1.3pp YoY +0.3pp QoQ |
+4.1pp | 11.3% | 11.0% | 12.6% | 93% |
| Total Capital Ratio |
17.5%
+2.1pp YoY +0.4pp QoQ |
+0.8pp | 16.7% | 17.6% | 20.8% | 80% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
455
-65 (-12.5%) YoY -4 (-0.9%) QoQ |
+141 | 313 | 55 | 482 | 82% |
| Assets per Employee ($) |
$7.2M
+5.5% YoY +0.2% QoQ |
-$3.3M | $10.5M | $8.6M | $8.8M | 26% |
| Branch Count |
8
+1 (+14.3%) YoY +1 (+14.3%) QoQ |
-12 | 20 | 4 | 18 | 20% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.4% | 0.4% | 0% |
| Nonaccrual |
2.7%
+0.5pp YoY +0.2pp QoQ |
+1.9pp | 0.8% | 1.0% | 1.0% | 96% |
| Allowance Coverage |
1.10x
-26.1% YoY -6.6% QoQ |
-17.61x | 18.71x | 20.41x | 20.23x | 27% |
| Net Charge-off Rate (YTD) |
2.0%
+1.6pp YoY -0.8pp QoQ |
+1.8pp | 0.3% | 0.2% | 0.2% | 98% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.8%
+8.5pp YoY 0.0pp QoQ |
+0.2pp | 12.6% | 13.1% | 11.6% | 54% |
| Cost of Funds (YTD) |
2.7%
-0.3pp YoY 0.0pp QoQ |
+0.7pp | 1.9% | 1.7% | 1.7% | 89% |
| Net Income ($, YTD) |
$34.6M
+210.1% YoY — QoQ |
+$15.3M | $19.2M | $4.5M | $40.4M | 85% |
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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 (4)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.