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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 6th largest bank in the state of Minnesota. It is also the 426th largest bank in the nation. It was established in 1912 and as of March of 2023, it had grown to 446 employees at 7 locations. Stearns Bank National Association's money market rates are 7X the national average, and it has a B+ health rating.

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Health
B+

Data as of Q1 2023

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #10988
Year Established1912
Employees446
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.92%
Return on Equity - YTD8.57%
Annual Interest Income$46.9MM
Assets and Liabilities
AssetsQ1 2023vs Q1 2022$2.72B$2.23B
LoansQ1 2023vs Q1 2022$1.93B$1.64B
DepositsQ1 2023vs Q1 2022$2.10B$1.64B
Equity CapitalQ1 2023vs Q1 2022$557.0MM$509.9MM
Loan Loss AllowanceQ1 2023vs Q1 2022$64.5MM$56.9MM
Unbacked Noncurrent LoansQ1 2023vs Q1 2022$8.8MM$42.2MM
Real Estate OwnedQ1 2023vs Q1 2022$19.0MM$161.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Stearns Bank National Association; we are a rate comparison website and cannot provide official rates or promotions.

* 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
3.20%*$500k*-Above the Norm Market Savings
OTHER TIERS: 1.00% → Up to $100k | 2.02% → $100k - $50k
3.20%*$500k*-BusinessSmart Market Savings
OTHER TIERS: 1.00% → Up to $100k | 2.02% → $100k - $500k

Stearns Bank National Association Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$25k*-BusinessSmart Checking
OTHER TIERS: 0.25% → Up to $25k
0.40%*$15k*-Above the Norm Checking
OTHER TIERS: 0.20% → Up to $15k

Stearns Bank National Association CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.35%$2.5k-3 Month CD Special
5.35%$2.5k-Business 3 Month CD Special
5.32%$2.5k-6 Month CD
5.32%$2.5k-Business 6 Month CD
5.28%$2.5k-9 Month CD Special
5.28%$2.5k-Busienss 9 Month CD Special
5.00%$2.5k-12 Month CD
5.00%$2.5k-Business 12 Month CD
3.25%$2.5k-24 Month CD
3.25%$2.5k-Business 24 Month CD
Locations


Cities: Albany, Holdingford, Jasper, Pine City, Saint Cloud, Saint Petersburg, Sarasota, Scottsdale, Upsala, Venice

Albany Branches
Albany Branch140 5th StreetAlbany, MN 56307

Holdingford Branches
Stearns Bank Holdingford National Association580 Main StHoldingford, MN 56340

Jasper Branches
Jasper Banking Company Branch100 Mark Whitfield StreetJasper, GA 30143

Pine City Branches
Pine City Branch600 Hillside Avenue SwPine City, MN 55063

Saint Cloud Branches
Stearns Bank National Association4191 2nd St SSaint Cloud, MN 56301

Saint Petersburg Branches
St Petersburg (Gateway) Branch7555 Dr. Martin Luther King, Jr. Street NorthSaint Petersburg, FL 33702

Sarasota Branches
Sarasota (Links) Branch22 South Links AvenueSarasota, FL 34236

Scottsdale Branches
Stearns Bank Arizona National Association Branch9225 East Shea BoulevardScottsdale, AZ 85260

Upsala Branches
Stearns Bank Upsala National Association105 S Main StUpsala, MN 56384

Venice Branches
Venice Branch201 Center RoadVenice, FL 34285

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