Stearns Bank National Association

Overview / Commentary
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 386th largest bank in the nation. It was established in 1912 and as of December of 2023, it had grown to 457 employees at 7 locations. Stearns Bank National Association's money market rates are 7X the national average, and it has an A health rating.

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Health Grade Components

FDIC Certificate #10988
Year Established1912
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.47%
Return on Equity - YTD7.2%
Annual Interest Income$232.5MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$3.09B$2.23B
LoansQ4 2023vs Q4 2022$2.48B$1.89B
DepositsQ4 2023vs Q4 2022$2.21B$1.61B
Equity CapitalQ4 2023vs Q4 2022$556.3MM$551MM
Loan Loss AllowanceQ4 2023vs Q4 2022$78.9MM$54.1MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$22.8MM$9.3MM
Real Estate OwnedQ4 2023vs Q4 2022$14.5MM$19MM
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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

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

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

5.06%$2.5k-6 Month CD
5.06%$2.5k-Business 6 Month CD
5.03%$2.5k-9 Month CD
5.03%$2.5k-Business 9 Month CD
4.50%$2.5k-12 Month CD
4.50%$2.5k-Business 12 Month CD
4.50%$500-12 month Smart CD Special
3.50%$2.5k-24 Month CD
3.50%$2.5k-Business 24 Month CD

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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