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Banks in St. Cloud, MN

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

Data as of Q2 2026 call reports. Banks that no longer file, such as acquired banks, are not listed.

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

The St. Cloud, MN metro area is home to 14 FDIC-insured banks, holding $9.29B in combined assets and $7.55B in deposits. The largest is Stearns Bank N.A. ($3.27B), about 35% of the group's total banking assets, followed by Deerwood Bank and Versabank USA, N.A. Across these banks, the median return on assets is 1.36% and the median CET1 capital ratio is 12.76%.

Banks
14
Total Assets
$9.29B
Total Deposits
$7.55B
Median ROA
1.36%
Median CET1
12.76%

Largest by Assets

Stearns Bank N.A. $3.27B Deerwood Bank $1.52B Versabank USA, N.A. $911.9M Falcon National Bank $872.3M Bankvista $651.1M

All banks in St. Cloud, MN

14 institutions with the latest quarterly call report metrics: capital, profitability, and asset quality.

Select a column heading to sort the list.

Banks in the St. Cloud, MN metro area, with total assets, ROA, net interest margin, efficiency ratio, CET1, NPL ratio, and Texas ratio.
Stearns Bank N.A. Saint Cloud, MN $3.27B 2.11% 5.99% 53.2% 15.39% 2.65% 18.4%
Deerwood Bank Waite Park, MN $1.52B 1.80% 4.21% 59.9% 11.34% 0.29% 4.3%
Versabank USA, N.A. Holdingford, MN $911.9M 1.34% 3.03% 40.9% 30.43% 0.10% 0.3%
Falcon National Bank Foley, MN $872.3M 1.39% 4.65% 60.3% — 1.04% 5.2%
Bankvista Sartell, MN $651.1M 1.25% 3.90% 51.9% 11.54% 2.21% 11.4%
Sentry Bank Saint Joseph, MN $415.5M 1.34% 4.02% 51.1% 11.00% 0.00% 0.0%
Harvest Bank Kimball, MN $355.1M 1.18% 3.83% 62.7% 13.37% 0.80% 14.4%
Granite Bank Cold Spring, MN $353.2M 1.58% 4.56% 88.1% 9.91% 1.38% 14.0%
Minnesota National Bank Sauk Centre, MN $298.4M 1.80% 4.57% 56.1% 11.55% 0.49% 4.0%
Liberty Bank Minnesota Saint Cloud, MN $290.2M 1.08% 3.08% 72.5% 25.85% 0.00% 0.0%
Freeport State Bank Freeport, MN $165.5M 1.19% 4.51% 62.0% 15.00% 0.00% 0.0%
State Bank of Cold Spring Cold Spring, MN $81.7M 1.56% 3.96% 62.2% 19.59% 1.60% 9.4%
Bonanza Valley State Bank Brooten, MN $74.8M 1.31% 3.83% 63.6% 12.15% 0.06% 0.6%
Saint Martin National Bank Saint Martin, MN $29.4M 2.48% 3.81% 48.4% — 0.00% 0.0%

Definitions: return on assets (ROA), net interest margin (NIM), efficiency ratio (Eff.), CET1 capital ratio, nonperforming loan ratio (NPL) and Texas ratio. A blank or NM value sorts last.

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Data sourced from FFIEC call reports. See /data-updates/ for the full refresh schedule.

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