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
Recorded CRE activity — harris County
1 commercial deed of trust recorded recently, verified from county records.
- Oct 6, 2026 · unknownundisclosed
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
Markets where Stearns Bank National Association lends
Stearns Bank National Association has commercial deeds of trust recorded in this metro. See who else is active there and current rate ranges by property type.
Houston
Houston (Harris County)
Last updated Oct 6, 2026 · Sources: FFIEC CDR, county records, first-party conversations.