Stearns Bank National Association

Overview / Commentary
4191 Second Street South
Saint Cloud, MN 56301

Stearns Bank National Association is headquartered in Saint Cloud and is the 7th largest bank in the state of Minnesota. It is also the 494th largest bank in the nation. It was established in 1912 and as of June of 2021, it had grown to 416 employees at 8 locations. Stearns Bank National Association's money market rates are 14% higher than the national average, and it has an A health rating.

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Health Grade Components

FDIC Certificate #10988
Year Established1912
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD2.83%
Return on Equity - YTD13.12%
Annual Interest Income$66.3MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$2.17B$2.30B
LoansQ2 2021vs Q2 2020$1.42B$1.99B
DepositsQ2 2021vs Q2 2020$1.60B$1.81B
Equity CapitalQ2 2021vs Q2 2020$500.6MM$457.5MM
Loan Loss AllowanceQ2 2021vs Q2 2020$77.9MM$83.6MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$34.2MM$32.1MM
Real Estate OwnedQ2 2021vs Q2 2020$277.00K$138.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Stearns Bank National Association Money Market Rates

0.50%*$100k*-Above the Norm Market Savings
OTHER TIERS: 0.25% Up to $100k
0.50%*$100k*-BusinessSmart Market Savings
OTHER TIERS: 0.25% Up to $100k

Stearns Bank National Association Checking Account Rates

0.20%*$25k*-BusinessSmart Checking
OTHER TIERS: 0.15% Up to $25k
0.15%*$15k*-Above the Norm Checking
OTHER TIERS: 0.10% Up to $15k

Stearns Bank National Association CD Rates

0.90%$2.5k-60 Month CD
0.90%$2.5k-Business 60 Month CD
0.80%$2.5k-48 Month CD
0.80%$2.5k-Business 48 Month CD
0.70%$2.5k-36 Month CD
0.70%$2.5k-Business 36 Month CD
0.65%$2.5k-24 Month CD
0.65%$2.5k-Business 24 Month CD
0.55%$2.5k-12 Month CD
0.55%$2.5k-Business 12 Month CD


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