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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q4QoQ +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-Q4

Bank #141556 2025-Q4 Vital Signs Score: 79/100 — 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 41.8% of deposits (threshold 30%).
  3. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 110.1% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↑ +1 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +3

The five pillars

Liquidity

Watch
50
Sub-score

Liquidity is deteriorating: brokered 41.8%, loans/deposits 110.1%.

Cash / Assets
—
Loans / Deposits
110.10%
Brokered %
41.83%

Watch Items

  • watchBrokered deposits above 30% — Brokered 41.8% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 110.1% (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

Stable
75
Sub-score

Capital position is stable: Tier 1 RBC 16.30%, CET1 0.00%, leverage 15.45%.

Tier 1 RBC
16.30%
CET1
0.00%
Leverage
15.45%

Watch Items

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

Asset Quality

StrongQoQ +3
84
Sub-score

Asset quality is strong: Adjusted NPL 1.99%, Texas Ratio 9.2%, NCO YTD 0.25%.

Adjusted NPL
1.99%
Govt-guarantees stripped
Texas Ratio
9.2%
NCO YTD
0.25%
30-89 PD
0.64%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +3
94
Sub-score

Reserves are strong: ALLL 3.28% of loans, coverage 170.8%, true coverage 121.3%.

ALLL / Loans
3.28%
Coverage
170.8%
True Loss Coverage
121.3%
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