Stearns Bank Holdingford, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Stearns Bank is a strong community bank focused on meeting your personal financial needs. Stearns Bank offers customized business banking solutions designed to meet the financial needs of your business. Stearns Bank provides fast, flexible financing for projects of all types and sizes nationwide.

Stearns Financial Services Inc. (SFSI) is a well capitalized, independent financial holding company based in Saint Cloud, Minnesota. Founded in 1912, CEO Norm Skalicky has led SFSI since 1964. Stearns Bank continues to extend the foundation of excellence with bank locations in Minnesota, Arizona, Florida, and Georgia.

Stearns has an established history of delivering quality financial products and services, outstanding customer service, and the ability to deliver local decisions with customized finance solutions.

Scottsdale
9225 E. Shea Blvd.
Scottsdale, AZ 85260
(480) 314-4200

Sarasota
22 S. Links Ave.
Ste 100 - Sarasota
FL 34236
(941) 929-9000

Venice
201 Center Rd.
Venice, FL 34285
(941) 497-6660

Rock Spring
122 Hwy 95
Rock Spring, GA 30739
(706) 764-3000

St. Cloud
4191 2nd St. S.
St. Cloud, MN 56301
(320) 253-6607