Stearns Bank National Association

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

Stearns Bank National Association is headquartered in Saint Cloud and is the 3rd largest bank in the state of Minnesota. It is also the 391st largest bank in the nation. It was established in 1912 and as of December of 2019, it had grown to 509 employees at 8 locations. Stearns Bank National Association's money market rates are 14% higher than the national average, and it boasts an A+ health rating.

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Health Grade Components

FDIC Certificate #10988
Year Established1912
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD2.41%
Return on Equity - YTD12.2%
Annual Interest Income$173.9MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$2.28B$2.07B
LoansQ4 2019vs Q4 2018$2.09B$1.92B
DepositsQ4 2019vs Q4 2018$1.78B$1.62B
Equity CapitalQ4 2019vs Q4 2018$441.2MM$405.4MM
Loan Loss AllowanceQ4 2019vs Q4 2018$67.3MM$62.0MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$20.4MM$20.0MM
Real Estate OwnedQ4 2019vs Q4 2018$2.6MM$750.00K
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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

0.50%$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


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