Visbanking Logo
Skip to main content

Stearns Bank National Association

IDRSSD: 141556
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2024-Q1QoQ +42

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q1

Bank #141556 2024-Q1 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

Liquidity:Watch
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Strong

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 109.6% (threshold 100%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.46% of loans.

What changed this quarter

Compared to Q4 2023:
↑ +42 ptscomposite
  • Liquidity
    ↓ -19
  • Securities
    — —
  • Capitalization
    ↑ +100
  • Asset Quality
    ↑ +49
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -19
51
Sub-score

Liquidity is deteriorating: brokered 29.2%, loans/deposits 109.6%.

Cash / Assets
—
Loans / Deposits
109.65%
Brokered %
29.22%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 109.6% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.31%
No watch items at this period.

Capitalization

StrongQoQ +100
100
Sub-score

Capital position is strong: Tier 1 RBC 19.26%, leverage 18.83%.

Tier 1 RBC
19.26%
CET1
—
Leverage
18.83%
No watch items at this period.

Asset Quality

StableQoQ +49
79
Sub-score

Asset quality is stable: Adjusted NPL 0.99%, Texas Ratio 4.1%, NCO YTD 1.46%.

Adjusted NPL
0.99%
Govt-guarantees stripped
Texas Ratio
4.1%
NCO YTD
1.46%
30-89 PD
0.99%
Band 0.3% / 3.0%
90+ PD
0.14%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.46% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.96% of loans, coverage 307.1%, true coverage 255.7%.

ALLL / Loans
2.96%
Coverage
307.1%
True Loss Coverage
255.7%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 08:54:44 UTC