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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 — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2025-Q3QoQ +1

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

Quarterly Headline

2025-Q3

Bank #141556 2025-Q3 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Brokered deposits above 30%
    Liquidity — Brokered 42.7% of deposits (threshold 30%).
  3. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 112.4% (threshold 100%).

What changed this quarter

Compared to Q2 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +2

The five pillars

Liquidity

WatchQoQ -2
50
Sub-score

Liquidity is deteriorating: brokered 42.7%, loans/deposits 112.4%.

Cash / Assets
—
Loans / Deposits
112.43%
Brokered %
42.71%

Watch Items

  • watchBrokered deposits above 30% — Brokered 42.7% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 112.4% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ +2
75
Sub-score

Capital position is stable: Tier 1 RBC 15.49%, CET1 0.00%, leverage 14.45%.

Tier 1 RBC
15.49%
CET1
0.00%
Leverage
14.45%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ +1
81
Sub-score

Asset quality is strong: Adjusted NPL 2.19%, Texas Ratio 10.5%, NCO YTD 0.42%.

Adjusted NPL
2.19%
Govt-guarantees stripped
Texas Ratio
10.5%
NCO YTD
0.42%
30-89 PD
0.65%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.19% (govt-guarantees stripped).

Reserves

StrongQoQ +2
91
Sub-score

Reserves are strong: ALLL 3.34% of loans, coverage 157.4%, true coverage 114.1%.

ALLL / Loans
3.34%
Coverage
157.4%
True Loss Coverage
114.1%
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