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Stearns Bank National Association


Overview / Commentary
www.stearns-bank.com
320-253-6607
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 468th largest bank in the nation. It was established in 1912 and as of December of 2020, it had grown to 407 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
A

Data as of Q4 2020

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #10988
Year Established1912
Employees407
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.75%
Return on Equity - YTD8.58%
Annual Interest Income$159.8MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$2.17B$2.28B
LoansQ4 2020vs Q4 2019$1.64B$2.09B
DepositsQ4 2020vs Q4 2019$1.63B$1.78B
Equity CapitalQ4 2020vs Q4 2019$470.9MM$441.2MM
Loan Loss AllowanceQ4 2020vs Q4 2019$94.3MM$67.3MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$33.2MM$20.4MM
Real Estate OwnedQ4 2020vs Q4 2019$365.00K$2.6MM
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
0.50%$2.5k-24 Month CD
0.50%$2.5k-Business 24 Month CD
0.40%$2.5k-12 Month CD
0.40%$2.5k-Business 12 Month CD
Locations

Availability



The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.