STEARNS BANK NATIONAL ASSN
SAINT CLOUD, MINNESOTA · FDIC Cert #10988
Capital & Safety Analysis
According to FDIC financial data, STEARNS BANK NATIONAL ASSN holds a Tier 1 capital ratio of 17.21%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning STEARNS BANK NATIONAL ASSN has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
STEARNS BANK NATIONAL ASSN shows strong financial health indicators. With $3.2B in assets and a Health Score of 73/100, 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.
Frequently Asked Questions
STEARNS BANK NATIONAL ASSN has a Bank Health Score of B (73/100). It holds a Tier 1 capital ratio of 17.21%, 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.
STEARNS BANK NATIONAL ASSN holds $3.2B in total assets and $2.4B in total deposits. It is located in SAINT CLOUD, MINNESOTA (FDIC Certificate #10988).
STEARNS BANK NATIONAL ASSN has a Tier 1 capital ratio of 17.21%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 1.98%, and the return on assets is 1.74%.
Yes. STEARNS BANK NATIONAL ASSN is FDIC-insured (Certificate #10988). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.