Stearns Bank National Association
Saint Cloud, MN — National Bank
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Net Interest Margin Over Time
| Net Interest Margin | Stearns Bank National Association | All Insured Commercial Banks in Minnesota |
| 12-31-2016 | 7.378 | 3.845 |
| 09-30-2016 | 7.497 | 3.852 |
| 06-30-2016 | 7.764 | 3.842 |
| 03-31-2016 | 8.225 | 3.809 |
| 12-31-2015 | 7.937 | 3.844 |
| 09-30-2015 | 7.8 | 3.845 |
| 06-30-2015 | 7.426 | 3.819 |
| 03-31-2015 | 6.583 | 3.786 |
| 12-31-2014 | 7.586 | 3.85 |
| 09-30-2014 | 7.515 | 3.838 |
| 06-30-2014 | 7.596 | 3.797 |
| 03-31-2014 | 7.211 | 3.742 |
| 12-31-2013 | 7.431 | 3.83 |
| 09-30-2013 | 7.155 | 3.817 |
| 06-30-2013 | 7.207 | 3.803 |
| 03-31-2013 | 6.968 | 3.767 |
| 12-31-2012 | 7.435 | 3.976 |
| 09-30-2012 | 7.109 | 4 |
| 06-30-2012 | 7.176 | 4.001 |
| 03-31-2012 | 7.011 | 4 |
| 12-31-2011 | 7.21 | 4.062 |
| 09-30-2011 | 7.097 | 4.07 |
| 06-30-2011 | 7.15 | 4.032 |
| 03-31-2011 | 7.137 | 3.98 |
| 12-31-2010 | 7.316 | 4.083 |
| 09-30-2010 | 7.601 | 4.09 |
| 06-30-2010 | 7.061 | 4.068 |
| 03-31-2010 | 6.576 | 4.023 |
| 12-31-2009 | 5.844 | 4.007 |
| 09-30-2009 | 5.354 | 3.991 |
| 06-30-2009 | 5.664 | 3.976 |
| 03-31-2009 | 5.371 | 3.939 |
| 12-31-2008 | 5.878 | 4.071 |
| 09-30-2008 | 5.881 | 4.093 |
| 06-30-2008 | 5.736 | 4.092 |
| 03-31-2008 | 5.59 | 4.107 |
| 12-31-2007 | 7.399 | 4.256 |
| 09-30-2007 | 6.499 | 4.281 |
| 06-30-2007 | 6.458 | 4.271 |
| 03-31-2007 | 6.461 | 4.246 |
| 12-31-2006 | 6.655 | 4.448 |
| 09-30-2006 | 6.482 | 4.48 |
| 06-30-2006 | 6.532 | 4.489 |
| 03-31-2006 | 6.469 | 4.451 |
| 12-31-2005 | 6.621 | 4.535 |
| 09-30-2005 | 6.673 | 4.524 |
| 06-30-2005 | 6.625 | 4.5 |
| 03-31-2005 | 6.797 | 4.455 |
| 12-31-2004 | 6.793 | 4.475 |
| 09-30-2004 | 6.705 | 4.456 |
| 06-30-2004 | 6.749 | 4.429 |
| 03-31-2004 | 6.471 | 4.399 |
| 12-31-2003 | 6.75 | 4.469 |
| 09-30-2003 | 6.757 | 4.485 |
| 06-30-2003 | 6.831 | 4.476 |
| 03-31-2003 | 6.738 | 4.443 |
| 12-31-2002 | 7.309 | 4.632 |