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 4th largest bank in the state of Minnesota. It is also the 401st largest bank in the nation. It was established in 1912 and as of September of 2019, it had grown to 522 employees at 8 locations. Stearns Bank National Association's money market rates are 4X 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 - YTD2.39%
Return on Equity - YTD12.07%
Annual Interest Income$128.7MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$2.17B$1.93B
LoansQ3 2019vs Q3 2018$2.02B$1.85B
DepositsQ3 2019vs Q3 2018$1.65B$1.47B
Equity CapitalQ3 2019vs Q3 2018$444.1MM$405.7MM
Loan Loss AllowanceQ3 2019vs Q3 2018$67.0MM$60.7MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$19.5MM$21.3MM
Real Estate OwnedQ3 2019vs Q3 2018$872.00K$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

1.76%*$100k*-Above the Norm Market Savings
OTHER TIERS: 1.00% Up to $100k
1.76%*$100k*-BusinessSmart Market Savings
OTHER TIERS: 1.00% Up to $100k

Stearns Bank National Association Checking Account Rates

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

1.95%$2.5k-24 Month CD
1.95%$2.5k-Business 24 Month CD
1.85%$2.5k-12 Month CD
1.85%$2.5k-Business 12 Month CD


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