Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

STEARNS BANK NATIONAL ASSN

FDIC #10988 · MN · period 20260630

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Total assets1,864,080-1.33% YoY

Total deposits1,499,853+1.10% YoY

Net loans and leases1,652,073-4.39% YoY

Return on assets3.29%-2.01% YoY

Return on equity19.65%+2.18% YoY

Net interest margin8.42%+16.03% YoY

Peer position

Return on assets91ststrength · n=902

Return on equity55thin line · n=894

Net interest margin97thstrength · n=902

Equity to assets95thstrength · n=894

Noncurrent loans6thopportunity · n=887

Liquid assets8thopportunity · n=895

Brokered deposits2ndopportunity · n=890

Loans to deposits3rdopportunity · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,864,080	1,499,853	1,652,073	3.29	19.65	8.42
2016-06-30	1,861,399	1,474,633	1,664,962	3.40	20.02	7.92
2016-09-30	1,829,262	1,440,446	1,646,282	3.15	18.29	7.69
2016-12-31	1,906,182	1,515,869	1,722,835	2.58	15.04	7.54
2017-03-31	1,889,220	1,483,517	1,727,968	3.36	19.23	7.26
2017-06-30	1,938,665	1,503,154	1,762,449	3.26	18.38	7.32
2017-09-30	1,958,710	1,541,637	1,769,593	3.13	17.36	7.23
2017-12-31	1,988,803	1,574,057	1,854,567	2.39	13.19	7.18
2018-03-31	1,888,779	1,465,371	1,759,729	3.57	18.44	6.71
2018-06-30	1,860,583	1,430,472	1,760,893	3.22	16.09	6.76
2018-09-30	1,933,793	1,474,412	1,846,144	2.95	14.55	6.83
2018-12-31	2,069,844	1,622,745	1,915,996	2.56	12.74	6.96
2019-03-31	2,066,857	1,597,827	1,914,062	2.41	12.10	6.75
2019-06-30	2,252,763	1,766,067	1,989,676	2.33	11.88	6.62
2019-09-30	2,172,842	1,654,567	2,020,434	2.39	12.07	6.73
2019-12-31	2,275,434	1,775,429	2,088,193	2.41	12.20	6.75
2020-03-31	2,214,669	1,716,269	2,002,502	1.68	8.45	6.61
2020-06-30	2,301,841	1,808,937	1,985,074	1.43	7.17	6.42
2020-09-30	2,203,231	1,699,986	1,775,345	1.27	6.33	6.33
2020-12-31	2,172,170	1,634,583	1,641,629	1.75	8.58	6.30
2021-03-31	2,400,789	1,857,257	1,507,531	2.17	10.39	5.16
2021-06-30	2,165,992	1,595,513	1,423,451	2.83	13.12	5.42
2021-09-30	2,280,429	1,706,240	1,436,194	3.06	14.17	5.62
2021-12-31	2,301,428	1,708,636	1,490,044	3.20	14.78	5.62
2022-03-31	2,231,485	1,637,381	1,639,408	2.16	9.63	5.84
2022-06-30	2,095,622	1,501,413	1,698,656	2.63	11.34	6.38
2022-09-30	2,016,660	1,423,024	1,772,082	2.67	11.09	6.61
2022-12-31	2,225,072	1,614,334	1,891,149	2.92	12.07	6.97
2023-03-31	2,721,777	2,101,375	1,930,405	1.92	8.57	6.53
2023-06-30	2,732,809	2,112,743	2,025,157	1.57	7.21	6.45
2023-09-30	2,822,916	2,150,432	2,273,298	0.93	4.38	6.21
2023-12-31	3,092,549	2,214,895	2,483,446	1.47	7.20	6.26
2024-03-31	3,157,327	2,328,866	2,553,576	0.94	5.27	5.48
2024-06-30	3,223,214	2,377,776	2,596,022	1.31	7.60	5.67
2024-09-30	3,272,904	2,501,432	2,645,824	1.28	7.59	5.79
2024-12-31	3,135,139	2,528,376	2,642,731	1.56	9.23	5.94
2025-03-31	3,160,062	2,495,027	2,792,956	-0.41	-2.44	6.30
2025-06-30	3,548,577	2,826,865	3,012,221	0.68	4.26	6.43
2025-09-30	3,351,145	2,519,478	2,832,614	1.60	10.04	6.45
2025-12-31	3,343,693	2,576,191	2,836,308	1.85	11.48	6.55
2026-03-31	3,296,457	2,518,510	2,764,043	2.10	12.81	5.97
2026-06-30	3,274,377	2,385,542	2,737,663	2.09	12.78	6.04

Structure and branch footprint

8 current branch locations across 3 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2012-10-20	50	998675	141556
2012-07-28	50	104430	141556
2012-03-24	50	3448751	141556
2010-11-13	50	2866255	141556
2009-08-22	50	2723796	141556
2009-08-08	50	1219591	141556
2009-08-08	50	1165531	141556
2009-06-27	50	89452	141556
2008-10-25	50	3442834	141556
2007-12-29	1	2572109	141556
1990-12-01	50	13952	141556
1966-07-01	1	385752	141556

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.