🏦Bank Scorer

STEARNS BANK NATIONAL ASSOCIATION

SAINT CLOUD, MN · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1912FDIC #10,988
Outstanding Up

Current rating · Exam: July 2024

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 2.10%

Institution Profile

FDIC BankFind

Address

4191 2nd St S, SAINT CLOUD, MN

County

Stearns County

Established

May 28, 1912

Total Assets

$3.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 15, 2024

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jul 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$3.3B

Total Deposits

$2.5B

Net Loans

$2.8B

Net Income

$17M

ROA

2.10%

ROE

12.81%

Risk-Based Capital

17.09%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$2.8B

1-Year Change

0

5-year net change: -1 branches

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

9 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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