Call reports 2025
STEARNS BANK NATIONAL ASSOCIATION — 2025
What STEARNS BANK NATIONAL ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 3,160,062,000 | 3,548,577,000 | 3,351,145,000 | 3,343,693,000 |
| Total loans | 2,876,524,000 | 3,113,518,000 | 2,930,420,000 | 2,932,585,000 |
| Allowance for loan losses | 83,568,000 | 101,297,000 | 97,806,000 | 96,277,000 |
| Securities available for sale | 93,274,000 | 98,173,000 | 105,274,000 | 106,222,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,495,027,000 | 2,826,865,000 | 2,519,478,000 | 2,576,191,000 |
| Interest-bearing deposits | 2,301,602,000 | 2,633,995,000 | 2,316,996,000 | 2,332,509,000 |
| Noninterest-bearing deposits | 193,425,000 | 192,870,000 | 202,482,000 | 243,682,000 |
| Equity capital | 515,466,000 | 517,409,000 | 536,418,000 | 559,272,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 68,853,000 | 146,388,000 | 221,296,000 | 297,420,000 |
| Interest expense | 21,330,000 | 45,636,000 | 69,619,000 | 91,828,000 |
| Net interest income | 47,523,000 | 100,752,000 | 151,677,000 | 205,592,000 |
| Noninterest income | 2,835,000 | 5,437,000 | 13,247,000 | 17,730,000 |
| Noninterest expense | 29,130,000 | 59,689,000 | 87,205,000 | 120,264,000 |
| Provision for loan losses | 6,890,000 | 18,229,000 | 17,879,000 | 13,095,000 |
| Pretax income | 14,316,000 | 27,795,000 | 59,520,000 | 84,555,000 |
| Income tax | 17,241,000 | 17,336,000 | 19,372,000 | 20,271,000 |
| Net income | -3,211,000 | 11,152,000 | 39,651,000 | 61,182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 499,210,000 | 476,626,000 | 495,372,000 | 517,662,000 |
| Total capital | 538,540,000 | 519,297,000 | 535,953,000 | 557,890,000 |
| Risk-weighted assets | 3,101,113,000 | 3,364,045,000 | 3,198,440,000 | 3,176,620,000 |