Stearns Bank National Association
Saint Cloud, MN · Owner: Stearns Finl Services Employee STK Ownership Plan
$3.3B
total assets, June 30, 2026
$3.3B
total assets, June 30, 2026
Stearns Bank National Association is a national bank based in Saint Cloud, MN, owned by Stearns Finl Services Employee STK Ownership Plan. As of June 30, 2026 it held $3.3 billion in assets and $2.4 billion in deposits; assets were down 7.7% from a year before. It has 8 branches in 3 states.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$3.3B
-7.7% in a year · -0.7% in a quarter
Deposits
$2.4B
-15.6% in a year · -5.3% in a quarter
Loans
$2.8B
-9.4% in a year · -0.9% in a quarter
Profit so far
$34.6M
Jan 1 to Jun 30, 2026 · +210.1% in a year
Capital ratio
15.42%
+1.30 pts in a year
Return on assets
2.09%
+1.41 pts in a year
Facts
- Type
- National bank
- Head office
- 4191 2nd St S, Saint Cloud, MN, 56301
- County
- Stearns
- Holding company
- Stearns Finl Services Employee STK Ownership Plan
- Established
- May 28, 1912
- Employees
- 455
- Branches
- 8 in 3 states
- Website
- www.stearnsbank.com
- Id
- b10988
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
8 offices as of June 30, 2026, holding $2.4 billion in deposits
Branch map
Every branch, sized by its deposits
| Largest branches | Place | Deposits |
|---|---|---|
| Stearns Bank National Association (main office) | Saint Cloud, MN | $1.8B |
| Venice Branch | Venice, FL | $126M |
| Albany Branch | Albany, MN | $99.5M |
| Arizona Branch | Scottsdale, AZ | $97.5M |
| Sarasota (Links) Branch | Sarasota, FL | $93.7M |
| Pine City Branch | Pine City, MN | $65.3M |
| Holdingford Branch | Holdingford, MN | $55.6M |
| St Petersburg (Gateway) Branch | Saint Petersburg, FL | $27.4M |
Related pages
Questions and answers
How big is Stearns Bank National Association?
$3.3 billion in total assets and $2.4 billion in deposits as of June 30, 2026, with assets down 7.7% from a year before. Its loans were $2.8 billion.
How many branches does Stearns Bank National Association have?
8 branches in 3 states as of June 30, 2026. The most deposits are in Minnesota ($2.0 billion).
Is Stearns Bank National Association profitable?
Yes: it earned $34.6 million from January 1 to June 30, 2026 (up 210.1% from the same months a year before). Its return on assets was 2.09% a year; about 1% is typical.
Who owns Stearns Bank National Association?
Stearns Bank National Association is owned by Stearns Finl Services Employee STK Ownership Plan, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.