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Stearns Bank National Association

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q2QoQ -2

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

Quarterly Headline

2024-Q2

Bank #141556 2024-Q2 Vital Signs Score: 83/100 — 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 109.2% (threshold 100%).
  2. info
    Brokered deposits above 30%
    Liquidity — Brokered 33.0% of deposits (threshold 30%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.04% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -12

The five pillars

Liquidity

WatchQoQ 0
51
Sub-score

Liquidity is deteriorating: brokered 33.0%, loans/deposits 109.2%.

Cash / Assets
—
Loans / Deposits
109.18%
Brokered %
33.04%

Watch Items

  • infoBrokered deposits above 30% — Brokered 33.0% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 109.2% (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
0.30%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.40%, CET1 17.21%, leverage 16.67%.

Tier 1 RBC
17.40%
CET1
17.21%
Leverage
16.67%
No watch items at this period.

Asset Quality

StableQoQ -1
78
Sub-score

Asset quality is stable: Adjusted NPL 2.04%, Texas Ratio 9.3%, NCO YTD 0.70%.

Adjusted NPL
2.04%
Govt-guarantees stripped
Texas Ratio
9.3%
NCO YTD
0.70%
30-89 PD
0.77%
Band 0.3% / 3.0%
90+ PD
0.18%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.04% (govt-guarantees stripped).

Reserves

StrongQoQ -12
88
Sub-score

Reserves are strong: ALLL 2.92% of loans, coverage 147.9%, true coverage 122.8%.

ALLL / Loans
2.92%
Coverage
147.9%
True Loss Coverage
122.8%
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