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BDI
SB

Stearns Bank National Association

Saint Cloud, MinnesotaFDIC Cert #10988

OCCEstablished 19127 branches

Holding company: STEARNS FINL SERVICES EMPLOYEE STK OWNERSHIP PLANRegulator: OCC

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$2.17B$1.6B
Q3 2021$2.28B$1.71B
Q4 2021$2.3B$1.71B
Q1 2022$2.23B$1.64B
Q2 2022$2.1B$1.5B
Q3 2022$2.02B$1.42B
Q4 2022$2.23B$1.61B
Q1 2023$2.72B$2.1B
Q2 2023$2.73B$2.11B
Q3 2023$2.82B$2.15B
Q4 2023$3.09B$2.21B
Q1 2024$3.16B$2.33B
Q2 2024$3.22B$2.38B
Q3 2024$3.27B$2.5B
Q4 2024$3.14B$2.53B
Q1 2025$3.16B$2.5B
Q2 2025$3.55B$2.83B
Q3 2025$3.35B$2.52B
Q4 2025$3.34B$2.58B
Q1 2026$3.3B$2.52B

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$3.3B
+4.3%y/y
Percentile by value14th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICASSET
Deposits
$2.52B
+0.9%y/y
Percentile by value2nd percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICDEP
Gross loans
$2.85B
−1.0%y/y
Percentile by value34th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNLSGR
Net loans
$2.76B
−1.0%y/y
Percentile by value33rd percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNLSNET
Securities
$110M
+17.7%y/y
Percentile by value5th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICSC
Cash
$232M
+47.1%y/y
Percentile by value46th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICCHBAL
Liabilities
$2.74B
+3.8%y/y
Percentile by value3rd percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLIAB
Equity
$530M
+2.7%y/y
Peer standing51st percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$50.4M
+0.1%y/y
Peer standing49th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNIM + NONII
NII
$46.5M
−2.1%y/y
Peer standing61st percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNIM
Noninterest income
$3.85M
+35.6%y/y
Peer standing20th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNONII
Provision
$7.31M
+5.8%y/y
Percentile by value92nd percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICELNATR
Pretax income
$16.5M
+15.0%y/y
Peer standing34th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICPTAXNETINC
Net income
$17.4M
+642.8%y/y
Peer standing55th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNETINC