MN lenders / Community Bank
Stearns Bank National Association
Community Bank · Saint Cloud, MN · Stearns Finl Services Employee Stk Ownership Plan
- Total assets
- $3.3B
- CRE loan book
- $1.1B
- QoQ CRE growth
- -1.3%
- Q1 2026
Observed rates
Real loans — SBA 7(a)
8 SBA 7(a) real-estate loans in Texas over the last 12 months · median rate 9.25% (8 variable / 0 fixed) · $6.3M total approved.
Borrower cities: Flower Mound, Boyd, Fort Worth, Houston, San Antonio, Kingwood.
Source: SBA 7(a) FOIA dataset · most recent approval Mar 20, 2026. Loan-level government-guaranteed pricing; conventional CRE terms may differ.
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.55% as of Q1 2026 — TX bank median 4.87% (2.69pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.55% | 8.77% |
| Q4 2025 | 9.11% | 9.85% |
| Q3 2025 | 8.73% | 9.47% |
| Q2 2025 | 9.33% | 9.83% |
| Q1 2025 | 9.42% | 9.39% |
| Q4 2024 | 9.89% | 9.80% |
| Q3 2024 | 10.27% | 10.01% |
| Q2 2024 | 9.91% | 9.83% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $1.1B | $436.8M | $131.5M | 157% | $32.6M |
| Q4 2025 | $1.1B | $440.4M | $112.5M | 149% | $31.5M |
| Q3 2025 | $1.1B | $413.7M | $115.5M | 147% | $47.4M |
| Q2 2025 | $1.2B | $421.9M | $120.6M | 154% | $53.5M |
| Q1 2025 | $1.1B | $417.3M | $102.3M | 146% | $57.5M |
| Q4 2024 | $1.1B | $463.2M | $96.7M | 143% | $42.9M |
| Q3 2024 | $1.2B | $495.1M | $141.9M | 168% | $33.9M |
| Q2 2024 | $1.1B | $525.5M | $143.3M | 167% | $29.1M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Northbrook Bank and Trust Company, National AssociationCommunity Bank · Northbrook · $1.1B CRE book
- American Momentum BankCommunity Bank · College Station · $1.1B CRE book
- Kennebunk Savings BankCommunity Bank · Kennebunk · $1.1B CRE book
- First Community BankCommunity Bank · Bluefield · $1.1B CRE book
- First Guaranty BankCommunity Bank · Hammond · $1.1B CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.