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  2. Stearns Bank National Association

Stearns Bank National Association


Overview / Commentary
www.stearns-bank.com
320-253-6607
4191 Second Street South
Saint Cloud, MN 56303

Stearns Bank National Association is headquartered in Saint Cloud and is the 2nd largest bank in the state of Minnesota. It is also the 411th largest bank in the nation. It was established in 1912 and as of March of 2019, it had grown to 402 employees at 8 locations. Stearns Bank National Association's money market rates are 5X the national average, and it boasts an A+ health rating.

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Health
A+

Data as of Q1 2019

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Health Grade Components

Overall
FDIC Certificate #10988
Year Established1912
Employees402
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD2.41%
Return on Equity - YTD12.1%
Annual Interest Income$41.2MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$2.07B$1.89B
LoansQ1 2019vs Q1 2018$1.91B$1.76B
DepositsQ1 2019vs Q1 2018$1.60B$1.47B
Equity CapitalQ1 2019vs Q1 2018$418.0MM$384.0MM
Loan Loss AllowanceQ1 2019vs Q1 2018$63.9MM$57.4MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$20.0MM$14.9MM
Real Estate OwnedQ1 2019vs Q1 2018$1.2MM$5.7MM
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 Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%--IRA Savings

Stearns Bank National Association Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*$100k*-Above the Norm Market Savings
OTHER TIERS: 1.00% → Up to $100k
2.02%*$100k*-BusinessSmart Market Savings
OTHER TIERS: 1.00% → Up to $100k

Stearns Bank National Association Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$15k*-Above the Norm Checking
OTHER TIERS: 0.50% → Up to $15k
1.00%*$25k*-BusinessSmart Checking
OTHER TIERS: 0.50% → Up to $25k

Stearns Bank National Association CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%$2.5k-24 Month CD
2.25%$2.5k-Business 24 Month CD
2.00%$2.5k-12 Month CD
2.00%$2.5k-Business 12 Month CD
Locations

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