Stearns Bank National Association
Saint Cloud, MN — National Bank
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Total Assets1.9B 5.4 %
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Total Deposits1.5B 5.1 %
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Total Net Loans1.7B 6.0 %
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Net Income47.9M -41.4 %
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Book Value323.7M 5.1 %
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Book Value x2647.5M 5.1 %
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Book Value x3971.2M 5.1 %
Financial Highlights | Stearns Bank National Association | All Insured Commercial Banks in Minnesota |
Balance Sheet $(000) | ||
Total Assets | 1,906,182 | 147,703 |
Total Net Loans | 1,722,835 | 97,223 |
Total Deposits | 1,515,869 | 126,600 |
Total Equity | 323,737 | 15,565 |
Profitability | ||
Net Income | 47,860 | 1,683 |
Return on Average Assets | 2.599 | 1.08 |
Return on Average Equity | 15.036 | 9.905 |
Net Interest Margin | 7.378 | 3.845 |
Efficiency Ratio | 40.365 | 68.21 |
Noninterest Income/Revenue | 14.088 | 13.68 |
Balance Sheet Ratios | ||
Loan-to-Deposit | 113.653 | 75.205 |
Securities/Assets | .04 | .174 |
Total Equity/Total Assets | .17 | .105 |
Tangible Equity/Tangible Assets | .17 | .103 |
Capital Adequacy | ||
Tier 1 Common Capital | 322,979 | 15,225 |
Tier 1 Capital | 322,979 | 15,232 |
Tier 2 Capital | 23,710 | 1,135 |
Total Capital | 346,689 | 16,386 |
Total Risk Weighted Assets | 1,863,272 | 105,251 |
Leverage Ratio | 17.35 | 10.475 |
Common Equity Tier 1 Capital Ratio | 17.33 | 15.3 |
Tier 1 Capital Ratio | 17.33 | 15.308 |
Total Capital Ratio | 18.61 | 16.398 |
Timeline for Stearns Bank National Association
Stearns Bank Investments, Llc
Stearns Bank Investments, Llc became a new subsidiary organization for Stearns Bank National Association.
View Profile Jul 15 2015Sb Georgia Holdings I, Llc
Sb Georgia Holdings I, Llc became a new subsidiary organization for Stearns Bank National Association.
View Profile Nov 07 2013Sb Holdings Of Sarasota Ii, Llc
Sb Holdings Of Sarasota Ii, Llc became a new subsidiary organization for Stearns Bank National Association.
View Profile Oct 04 2013Sb Georgia Holdings, Llc
Sb Georgia Holdings, Llc became a new subsidiary organization for Stearns Bank National Association.
View Profile Jun 11 2013First East Side Savings Bank
Acquisition: Stearns Bank National Association acquired a new subsidiary, First East Side Savings Bank, 11 years
View Profile Oct 20 2012Want to see more?
Complete timeline for Stearns Bank National Association is available.
View Complete TimelineAcquisitions & Mergers | Role | Assets | Acct Method | Type | Transaction Date |
First East Side Savings Bank | Seller | 65,686 | Failure | 10/20/2012 | |
Jasper Banking Company | Seller | 206,672 | Failure | 7/28/2012 | |
Covenant Bank & Trust | Seller | 95,725 | Failure | 3/24/2012 | |
Copper Star Bank | Seller | 203,955 | Failure | 11/13/2010 | |
Ebank | Seller | 144,688 | Failure | 8/22/2009 | |
Community National Bank Of Sarasota County | Seller | 92,528 | Failure | 8/8/2009 | |
First State Bank | Seller | 447,667 | Failure | 8/8/2009 | |
Horizon Bank | Seller | 84,763 | Failure | 6/27/2009 | |
Alpha Bank & Trust | Seller | 354,090 | Failure | 10/25/2008 | |
Stearns Bank Arizona National Association | Seller | 185,762 | Pooling of Interests | Discontinued | 12/29/2007 |
Boundary Waters State Bank | Seller | 13,426 | Failure | 12/1/1990 | |
First State Bank Of Albany | Seller | Discontinued | 7/1/1966 |
Relationships | Role | Relationship Start | Relationship End |
Stearns Financial Services, Inc. | Parent | 10/25/2002 | |
Stearns Financial Services, Inc. | Parent | 9/23/2002 | 10/24/2002 |
Stearns Financial Services, Inc. | Parent | 9/3/1998 | 9/22/2002 |
Stearns Financial Services, Inc. | Parent | 7/30/1998 | 9/2/1998 |
Stearns Financial Services, Inc. | Parent | 6/22/1998 | 7/29/1998 |
Stearns Financial Services, Inc. | Parent | 4/22/1995 | 6/21/1998 |
Stearns Agency, Inc. | Parent | 12/31/1984 | 4/21/1995 |
Stearns Financial Services, Inc. | Parent | 8/7/1992 | 4/21/1995 |
Stearns Agency, Inc. | Parent | 12/31/1981 | 12/30/1984 |
Stearns Agency, Inc. | Parent | 12/31/1979 | 12/30/1981 |
Stearns Agency, Inc. | Parent | 12/31/1978 | 12/30/1979 |
Stearns Agency, Inc. | Parent | 12/31/1977 | 12/30/1978 |
Stearns Agency, Inc. | Parent | 12/31/1975 | 12/30/1977 |
Stearns Agency, Inc. | Parent | 12/31/1974 | 12/30/1975 |
Stearns Agency, Inc. | Parent | 12/31/1973 | 12/30/1974 |
Stearns Agency, Inc. | Parent | 12/31/1970 | 12/30/1973 |
Mid Minnesota Credit Corporation | Subsidary | 1/26/2010 | |
Air 1, Inc. | Subsidary | 6/30/2007 | |
Stearns Spv I, Llc | Subsidary | 2/4/2009 | |
Stearns Holding Company, L.L.C. | Subsidary | 4/27/2009 | |
Stearns Summit Holding Company, L.L.C. | Subsidary | 10/13/2009 | |
Sb-Csb 1, Llc | Subsidary | 12/30/2010 | |
Sb Real Estate Holding, Llc | Subsidary | 9/9/2011 | |
Sb Holdings Of Sarasota, Llc | Subsidary | 7/18/2011 | |
Sb Georgia Holdings I, Llc | Subsidary | 11/7/2013 | |
Stearns Bank Investments, Llc | Subsidary | 7/15/2015 | |
Sb Georgia Holdings, Llc | Subsidary | 6/11/2013 | 8/22/2016 |
North Georgia Real Estate Holdings Of Minnesota, Llc | Subsidary | 7/12/2012 | 8/22/2016 |
Sb Pinellas Holdings, Llc | Subsidary | 4/13/2011 | 4/26/2016 |
Sb Pinellas Holdings I, Llc | Subsidary | 10/3/2012 | 4/26/2016 |
Sb Holdings Of Sarasota Ii, Llc | Subsidary | 10/4/2013 | 9/25/2015 |
Csb Holding Company, Llc | Subsidary | 11/12/2010 | 1/26/2015 |
Gilbert Corporation Center Condominium Owner's Association | Subsidary | 11/19/2009 | 9/1/2010 |
Air 1, Inc. | Subsidary | 6/1/1998 | 6/29/2007 |
National Machine Tool Leasing, Inc. | Subsidary | 12/31/1981 | 8/31/2001 |
Mid Minnesota Credit Corporation | Subsidary | 12/31/1989 | 8/31/2001 |
Mid Minnesota Credit Corporation | Subsidary | 12/31/1981 | 12/30/1989 |
National Machine Tool Leasing, Inc. | Subsidary | 12/31/1980 | 12/30/1981 |
Mid Minnesota Credit Corporation | Subsidary | 6/2/1980 | 12/30/1981 |
National Machine Tool Leasing, Inc. | Subsidary | 6/30/1977 | 12/30/1980 |
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