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Stearns Bank National Association

Saint Cloud, MN
IDRSSD: 141556
Total Assets
$3.35B
Latest filing
Total Deposits
$2.52B
Latest filing
Net Interest Margin
—
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, national (federal) charter, Fed member, and supervised by the OCC
Primary RegulatorOCC
Established Date05/28/1912
Community BankNo
Ownership TypeNot Mutual
ZIP56301
State and County Number27145
Subchapter S CorporationsYes
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number09
Numeric code3
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameSt. Cloud, MN

Operational Info

Number of Employees520
Domestic Offices7
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.stearnsbank.com
Data Updated11/14/2025
CERT10988
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$3.35B
Total Deposits$2.52B
Total Liabilities$2.79B
Total Equity Capital$0
Net Income$29.69M
Net Loans and Leases$2.83B
Assets Per Employee ($Millions)$0M
Bank Premises and Fixed Assets$0
Cash and Balances due from Depository Institutions$0
Deposits Held in Domestic Offices$0

Key Performance Ratios

Return on Assets (ROA)0%
Return on Equity (ROE)0%
Net Interest Margin0%
Efficiency Ratio0%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets0%
Earning Assets to total Assets0%

Income and Expense

Total Interest Income$74.91M
Total Noninterest Income$7.81M
Total Interest Expense$23.98M
Total Noninterest Expense$27.52M
Net Interest Income$50.92M
Pre-tax Net Operating Income$0
Provision for Credit Losses$0
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$0
Total Liabilities and Capital$0

Securities

Securities$0
Available-for-sale debt securities$0
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Stearns Bank National Association?
$3.35B as of the latest filing.
How much are Stearns Bank National Association's total deposits?
$2.52B in total deposits.
Where is Stearns Bank National Association located?
Saint Cloud, MN.
What is the Net Interest Margin?
Not available.
How many domestic offices does it operate?
7.
When was it established?
05/28/1912.
What is the Return on Assets (ROA)?
Not available.
How much are total loans and leases?
$2.83B (latest filing).
What is the total interest income (latest filing)?
$74.91M.