BlastPoint's Banking Scorecard
Stearns Bank National Association
Community
Specialty: Commercial
MN
FDIC cert 10988
Saint Cloud, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
Stearns Bank National Association has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 39% in Community
- + Net Interest Margin 2.89% above tier
- + Loan-to-Deposit Ratio 27.03% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 16% in Community
- - Delinquency Rate 1.36% above tier
- - Non-Interest-Bearing Deposit Share 11.59% below tier
- - Nonperforming Asset Ratio 2.33% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.3B
+6.7% YoY
-0.2% QoQ
|
+$2.0B |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$2.8B
+7.3% YoY
+0.1% QoQ
|
+$1.9B |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Top 3% in tier |
| Total Deposits ? |
$2.6B
+1.9% YoY
+2.3% QoQ
|
+$1.4B |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
1.85%
+18.7% YoY
+15.4% QoQ
|
+0.69% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
6.55%
+10.4% YoY
+1.6% QoQ
|
+2.89% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
53.39%
-0.5% YoY
+2.7% QoQ
|
-9.24% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? |
1.99%
-12.3% YoY
-9.4% QoQ
|
+1.36% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
110.10%
+5.3% YoY
-2.1% QoQ
|
+27.03% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.46%
+19.0% YoY
+17.7% QoQ
|
-11.59% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
2.83%
+5.7% YoY
-4.7% QoQ
|
+2.33% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
16.30%
-7.7% YoY
+5.2% QoQ
|
+6.05% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.53%
+12.2% YoY
+34.1% QoQ
|
-0.21% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
52% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#144 of 371 · Top 39% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.85%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Top 1%
in Community
Why this stands out
Current:
6.55%
(Tier avg: 3.66%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Top 3%
in Community
Why this stands out
Current:
110.10%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (4)
Liquidity Overhang
risk
#43 of 268 · Bottom 16% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
16.30%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
110.10%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Delinquency Rate
metric
Bottom 10%
in Community
Why this stands out
Current:
1.99%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 10%
in Community
Why this stands out
Current:
9.46%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
2.83%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Net Interest Margin
Current: 6.55% · Tier avg: 3.66%
97
97th pctile
Total Loans
Current: $2.8B · Tier avg: $975.5M
97
97th pctile
Loan-to-Deposit Ratio
Current: 110.10% · Tier avg: 83.06%
94
94th pctile
Total Assets
Current: $3.3B · Tier avg: $1.4B
92
92th pctile
Total Deposits
Current: $2.6B · Tier avg: $1.2B
88
88th pctile
Return on Assets
Current: 1.85% · Tier avg: 1.16%
84
84th pctile
Tier 1 Capital Ratio
Current: 16.30% · Tier avg: 10.24%
76
76th pctile
Efficiency Ratio
Current: 53.39% · Tier avg: 62.63%
52
52th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
10
10th pctile
Delinquency Rate
Current: 1.99% · Tier avg: 0.63%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.46% · Tier avg: 21.05%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.83% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.83% · Tier avg: 0.50%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.46% · Tier avg: 21.05%
10
10th pctile
Delinquency Rate
Current: 1.99% · Tier avg: 0.63%
52
52th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
76
76th pctile
Efficiency Ratio
Current: 53.39% · Tier avg: 62.63%
84
84th pctile
Tier 1 Capital Ratio
Current: 16.30% · Tier avg: 10.24%
88
88th pctile
Return on Assets
Current: 1.85% · Tier avg: 1.16%
92
92th pctile
Total Deposits
Current: $2.6B · Tier avg: $1.2B
94
94th pctile
Total Assets
Current: $3.3B · Tier avg: $1.4B
97
97th pctile
Loan-to-Deposit Ratio
Current: 110.10% · Tier avg: 83.06%
97
97th pctile
Total Loans
Current: $2.8B · Tier avg: $975.5M
99
99th pctile
Net Interest Margin
Current: 6.55% · Tier avg: 3.66%