Asset Tier

St. Cloud, MN

All FDIC-insured banks headquartered in the St. Cloud, MN metropolitan area

Every FDIC-insured commercial bank with headquarters in the St. Cloud, MN metro area, with the most recent quarterly call report data — total assets, deposits, capital ratios, asset quality, and profitability. The full MSA covered is: St. Cloud, Mn.

Banks

Total Assets

$7.6B

Total Deposits

$6.2B

Avg ROA

1.56%

Median CET1

13.82%

Largest by Assets

STEARNS BANK NATIONAL ASSOCIATION$3.3B FALCON NATIONAL BANK$886M VERSABANK USA, NATIONAL ASSOCIATION$783M BANKVISTA$647M SENTRY BANK$379M

Bank	HQ	Assets	ROA	CET1	NPL	Texas
STEARNS BANK NATIONAL ASSOCIATION	SAINT CLOUD, MN	$3.3B	2.12%	14.94%	3.31%	24.4%
FALCON NATIONAL BANK	FOLEY, MN	$886M	1.01%	—	1.11%	10.5%
VERSABANK USA, NATIONAL ASSOCIATION	HOLDINGFORD, MN	$783M	1.18%	35.90%	0.02%	0.1%
BANKVISTA	SARTELL, MN	$647M	1.24%	11.35%	3.75%	32.5%
SENTRY BANK	SAINT JOSEPH, MN	$379M	1.19%	11.17%	0.00%	0.0%
HARVEST BANK	KIMBALL, MN	$356M	0.84%	13.82%	0.82%	15.2%
GRANITE BANK	COLD SPRING, MN	$347M	1.16%	9.81%	1.45%	15.0%
LIBERTY BANK MINNESOTA	SAINT CLOUD, MN	$292M	0.91%	25.79%	0.00%	0.0%
MINNESOTA NATIONAL BANK	SAUK CENTRE, MN	$286M	1.54%	12.00%	0.41%	3.3%
FREEPORT STATE BANK	FREEPORT, MN	$167M	1.03%	15.40%	0.00%	0.0%
STATE BANK OF COLD SPRING	COLD SPRING, MN	$79M	1.67%	20.01%	2.46%	14.2%
BONANZA VALLEY STATE BANK	BROOTEN, MN	$75M	1.14%	12.79%	0.06%	1.9%
SAINT MARTIN NATIONAL BANK	SAINT MARTIN, MN	$29M	2.39%	—	0.00%	0.0%

Other asset tiers

Largest US Banks (≥ $100B in assets)Regional Banks ($10B–$100B in assets)Large Community Banks ($1B–$10B in assets)Midsize Community Banks ($500M–$1B in assets)Small Community Banks ($100M–$500M in assets)Micro Community Banks (< $100M in assets)

Data sourced from FFIEC call reports — current as of Q1 2026. See /data-updates/ for the full refresh schedule.

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