Stearns Bank Holdingford NA
Holdingford, Minnesota · FDIC Cert #10160
Stearns Bank Holdingford NA is an FDIC-insured bank (Certificate #10160) with $79M in total assets and $54M in total deposits as of the Q2 2024 Call Report. Headquartered in Holdingford, Minnesota, the bank maintains a Tier 1 capital ratio of 34.69% (Well-Capitalized) and a nonperforming loan ratio of 0.54%. BankHealthData assigns a composite Health Grade of A (83/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Stearns Bank Holdingford NA (FDIC cert 10160) is a community bank — $79M in total assets, $54M in deposits, serving the Holdingford, Minnesota area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 34.69% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.54% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 19.7% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.25% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Stearns Bank Holdingford NA carries a composite BankHealth grade of A (83/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Stearns Bank Holdingford NA
- Total Assets
- $79M
- Total Deposits
- $54M
- Tier 1 Capital Ratio
- 34.69%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.54%
- Liquidity Ratio
- 19.70%
- Return on Assets
- 1.25%
- Headquarters
- Holdingford, Minnesota
- FDIC Certificate
- #10160
- Health Grade
- A (83/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Stearns Bank Holdingford NA holds a Tier 1 capital ratio of 34.69%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Stearns Bank Holdingford NA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Stearns Bank Holdingford NA shows strong financial health indicators. With $79M in assets and a Health Score of 83/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Stearns Bank Holdingford NA Compares
Stearns Bank Holdingford NA’s Health Score of 83 is 10 points above the Minnesota state average of 73 across 225 FDIC-insured banks. Its 34.69% Tier 1 capital ratio is 20.7 points above the US banking industry average near 14%. The 0.54% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.25% is in line with or above the national ROA benchmark of ~1.1%. Among 910 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Stearns Bank Holdingford NA is 13 points above the portfolio average of 70.
Frequently Asked Questions
Stearns Bank Holdingford NA has a Bank Health Score of A (83/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 34.69%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Stearns Bank Holdingford NA's Tier 1 capital ratio of 34.69% and nonperforming loan ratio of 0.54% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Stearns Bank Holdingford NA is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #10160). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Stearns Bank Holdingford NA holds $79M in total assets and $54M in total deposits. It is headquartered in Holdingford, Minnesota (FDIC Certificate #10160).
Stearns Bank Holdingford NA has a Tier 1 capital ratio of 34.69%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.54%, and the return on assets is 1.25%.
Yes. Stearns Bank Holdingford NA is FDIC-insured (Certificate #10160). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Stearns Bank Holdingford NA's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.