Overview / Commentary
Stearns Bank National Association is headquartered in Saint Cloud and is the 2nd largest bank in the state of Minnesota. It is also the 417th largest bank in the nation. It was established in 1912 and as of December of 2018, it had grown to 395 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 Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 10988 |
| Year Established | 1912 |
| Employees | 395 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 2.56% |
| Return on Equity - YTD | 12.74% |
| Annual Interest Income | $152.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $2.07B$1.99B |
| Loans | Q4 2018vs Q4 2017 | $1.92B$1.85B |
| Deposits | Q4 2018vs Q4 2017 | $1.62B$1.57B |
| Equity Capital | Q4 2018vs Q4 2017 | $405.4MM$366.9MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $62.0MM$56.5MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $20.0MM$10.3MM |
| Real Estate Owned | Q4 2018vs Q4 2017 | $750.00K$5.9MM |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.00% | - | - | IRA Savings |
Stearns Bank National Association Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.50% | $2.5k | - | 24 Month CD | |
| 2.50% | $2.5k | - | Business 24 Month CD | |
| 2.25% | $2.5k | - | 12 Month CD | |
| 2.25% | $2.5k | - | Business 12 Month CD |
