Stearns Bank National Association is a bank based in Saint Cloud, Minnesota, established in 1912, with $3.3 billion in total assets across 7 branches. By Trust Grade it ranks 19th of 224 banks we track in Minnesota. Its capital ratio of 16.1% is stronger than 95% of similarly sized banks, versus a Minnesota median of 9.5%. It was profitable over the most recent period, with a 2.10% return on assets. No consumer complaints against Stearns Bank National Association appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Stearns Bank National Association compares to Minnesota peers
How we graded Stearns Bank National Association
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (16.1% capital ratio)
- Strongly profitable (ROA 2.10%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Stearns Bank National Association over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (7)
- 140 5th St, Albany, MN 56307
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- 600 Hillside Ave Sw, Pine City, MN 55063
- 4191 2nd St S, Saint Cloud, MN 56301
Are deposits at Stearns Bank National Association insured?
Yes. Stearns Bank National Association is an FDIC-insured bank (FDIC certificate #10988). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Stearns Bank National Association: frequently asked questions
Is Stearns Bank National Association a good bank?
Stearns Bank National Association earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (16.1% capital ratio); Strongly profitable (ROA 2.10%).
Is Stearns Bank National Association FDIC-insured?
Yes. Stearns Bank National Association is a FDIC-insured bank (FDIC certificate #10988). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Stearns Bank National Association?
Stearns Bank National Association holds $3.3 billion in total assets, ranking 19th of 224 banks we track in Minnesota. It operates 7 branches.
Does Stearns Bank National Association have CFPB complaints?
No CFPB complaints against Stearns Bank National Association appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
