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Overview / Commentary
4191 Second Street South
Saint Cloud, MN 56303

Stearns Bank National Association is headquartered in Saint Cloud and is the 4th largest bank in the state of Minnesota. It is also the 458th largest bank in the nation. It was established in 1912 and as of December of 2013, it had grown to 308 employees at 15 locations. Stearns Bank National Association's money market rates are 14% higher than the national average, and it boasts a A+ health rating.

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Data for Q4 2013

Stearns Bank National Association consists of multiple companies with separate FDIC numbers. Click on an FDIC number to view the health for that company:

10988 - Stearns Bank National Association
10160 - Stearns Bank Holdingford National Association
9336 - Stearns Bank Upsala National Association

Institution Health

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Stearns Bank National Association had $12.97 million in non-current loans and owned real-estate with $269.78 million in equity and loan loss allowances on hand to cover it. This gives Stearns Bank National Association a Texas Ratio of 4.81% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Stearns Bank National Association decreased slightly from 6.75% as of December 31, 2012 to 4.81% as of December 31, 2013, resulting in a positive change of 28.80%.This indicates that the balance sheet and financial strength for Stearns Bank National Association has improved slightly in recent periods.

Deposit Growth


In the past year, Stearns Bank National Association has increased its total deposits by $48.19 million, resulting in 4.43% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Stearns Bank National Association has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Stearns Bank National Association has $1.48 billion in assets with $269.78 million in equity, resulting in a capitalization level of 18.20%, which is excellent.

Institution Statistics

FDIC Certificate #10988
Year Established1912
Primary RegulatorOCC
Assets and Liabilities
Assets$1.48 billion
Loans$1.21 billion
Deposits$1.14 billion
Equity Capital$231.91 million
Loan Loss Allowance$37.87 million
Unbacked Noncurrent Loans$9.35 million
Real Estate Owned$3.62 million
Historic Data - December 2012
Assets$1.39 billion
Equity Capital$227.59 million
Loan Loss Allowance$39.64 million
Unbacked Noncurrent Loans$9.35 million
Real Estate Owned$8.23 million
Profit Margin - Quarterly
Net Interest Margin7.62%
Return on Assets4.55%
Return on Equity27.6%
Interest Income$102.64 million

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Stearns Bank National Association Savings Account Rates

0.50%$50-Holiday Savings
0.25%$50-Personal Savings
0.25%$50-Business Savings

Stearns Bank National Association Money Market Rates

0.50%--IRA Money Market
0.30%$90k-Stearns Select Money Market
0.30%$90k-Business Stearns Select Money Market

Stearns Bank National Association Checking Account Rates

0.26%$500-NOW Account
0.26%$500-Business NOW Account

Stearns Bank National Association CD Rates

1.75%$2,500-5 Year CD
1.75%$90k-5 Year Jumbo CD
1.75%$2,500-Business 5 Year CD
1.75%$90k-Business 5 Year Jumbo CD
1.35%$2,500-4 Year CD
1.35%$90k-4 Year Jumbo CD
1.35%$2,500-Business 4 Year CD
1.35%$90k-Business 4 Year Jumbo CD
1.05%$2,500-3 Year CD
1.05%$90k-3 Year Jumbo CD
1.05%$2,500-Business 3 Year CD
1.05%$90k-Business 3 Year Jumbo CD
0.80%$2,500-18 Month Trade-a-Rate CD
0.80%$2,500-Business 18 Month Trade-a-Rate CD
0.70%$2,500-24 Month CD
0.70%$2,500-Business 24 Month CD
0.50%$2,500-12 Month CD
0.50%$2,500-Business 12 Month CD
0.35%$2,500-8 Month CD
0.35%$2,500-9 Month CD
0.35%$2,500-10 Month CD
0.35%$2,500-11 Month CD
0.35%$2,500-Business 8 Month CD
0.35%$2,500-Business 9 Month CD
0.35%$2,500-Business 10 Month CD
0.35%$2,500-Business 11 Month CD
0.30%$2,500-6 Month CD
0.30%$2,500-7 Month CD
0.30%$2,500-Business 6 Month CD
0.30%$2,500-Business 7 Month CD
0.25%$2,500-3 Month CD
0.25%$2,500-5 Month CD
0.25%$2,500-Business 3 Month CD
0.25%$2,500-Business 5 Month CD

Stearns Bank National Association IRA Rates

1.75%$2,500-5 Year IRA (Traditional,Roth)
1.75%$90k-5 Year Jumbo IRA (Traditional,Roth)
1.35%$2,500-4 Year IRA (Traditional,Roth)
1.35%$90k-4 Year Jumbo IRA (Traditional,Roth)
1.05%$2,500-3 Year IRA (Traditional,Roth)
1.05%$90k-3 Year Jumbo IRA (Traditional,Roth)
0.80%$2,500-18 Month Trade-a-Rate IRA (Traditional,Roth)
0.70%$2,500-24 Month IRA (Traditional,Roth)
0.50%$2,500-12 Month IRA (Traditional,Roth)
0.35%$2,500-8 Month IRA (Traditional,Roth)
0.35%$2,500-9 Month IRA (Traditional,Roth)
0.35%$2,500-10 Month IRA (Traditional,Roth)
0.35%$2,500-11 Month IRA (Traditional,Roth)
0.30%$2,500-6 Month IRA (Traditional,Roth)
0.30%$2,500-7 Month IRA (Traditional,Roth)
0.25%$2,500-3 Month IRA (Traditional,Roth)
0.25%$2,500-5 Month IRA (Traditional,Roth)

Stearns Bank National Association has 16 locations. Click to view all Stearns Bank National Association locations.