Stearns Bank National Association: how it compares with its peers
Against 461 U.S. banks with half to twice its assets, Stearns Bank National Association's strongest measure in Q2 2026 is net interest margin (6.04% vs. a 3.67% peer median). Its weakest relative measure is assets per employee ($7.2M vs. $9.1M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.09% | 1.27% | Top third Ahead of 91% of peers |
| Net interest margin Annualized net interest income over earning assets. | 6.04% | 3.67% | Top third Ahead of 97% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.81% | 58.58% | Top third Ahead of 68% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.2M | $9.1M | Bottom third Ahead of 23% of peers |
| Loans to deposits Net loans and leases over total deposits. | 114.76% | 88.43% | Context |
What it means for lending operations
Its efficiency ratio of 52.81% is better than the 58.58% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- WestStar Bank El Paso, TX · $3.28B
- Lone Star National Bank Pharr, TX · $3.28B
- Oakstar Bank Springfield, MO · $3.29B
- Bristol County Savings Bank Taunton, MA · $3.26B
- Georgia Banking Company Atlanta, GA · $3.26B
- Fidelity Bank, National Association Wichita, KS · $3.30B
Questions about Stearns Bank National Association
How big is Stearns Bank National Association?
Stearns Bank National Association, established in 1912, is headquartered in Saint Cloud, MN. It reported $3.27B in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Stearns Bank National Association's return on assets?
2.09% annualized in Q2 2026, against a 1.27% median for 461 U.S. banks with half to twice its assets, ahead of 91% of them.
What is Stearns Bank National Association's efficiency ratio?
52.81% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 58.58%, and lower is better.
Is Stearns Bank National Association growing its loans?
Net loans shrank 9.1% over the year to Q2 2026, while deposits shrank 15.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Minnesota bank ranked.