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 451st largest bank in the nation. It was established in 1912 and as of March of 2021, it had grown to 418 employees at 8 locations. Stearns Bank National Association's money market rates are 14% higher than 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 - YTD2.17%
Return on Equity - YTD10.39%
Annual Interest Income$32.5MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$2.40B$2.21B
LoansQ1 2021vs Q1 2020$1.51B$2.00B
DepositsQ1 2021vs Q1 2020$1.86B$1.72B
Equity CapitalQ1 2021vs Q1 2020$483.2MM$450.7MM
Loan Loss AllowanceQ1 2021vs Q1 2020$86.0MM$74.1MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$45.4MM$24.1MM
Real Estate OwnedQ1 2021vs Q1 2020$365.00K$138.00K
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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

0.90%$2.5k-60 Month CD
0.90%$2.5k-Business 60 Month CD
0.80%$2.5k-48 Month CD
0.80%$2.5k-Business 48 Month CD
0.70%$2.5k-36 Month CD
0.70%$2.5k-Business 36 Month CD
0.65%$2.5k-24 Month CD
0.65%$2.5k-Business 24 Month CD
0.55%$2.5k-12 Month CD
0.55%$2.5k-Business 12 Month CD


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