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Stearns Bank N.A. Locations & Branches Saint Cloud, Minnesota
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Stearns Bank N.A. operates 8 branches from its headquarters in Saint Cloud, MN, .
Stearns Bank N.A. branch network
Its 8 branches span 3 states and 8 cities. The most are in MINNESOTA (4), FLORIDA (3) and ARIZONA (1). MINNESOTA holds 85.5% of its branch deposits. Its largest office by deposits is its main office in Saint Cloud, MN, with $1.82B (76.3% of its branch deposits). On June 30, 2025 it had 7 branches, 1 fewer than in 2026.
Stearns Bank N.A. at a glance
Its CET1 capital ratio was 15.39% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $3.27B
- CET1 ratio, Q2 2026
- 15.39%
- Deposit insurance
- FDIC
- Regulator
- OCC
- Latest call report
- Q2 2026, FFIEC 031
- Established
- 1912
Full financial profile · Is Stearns Bank N.A. safe? · Stearns Bank N.A. call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Saint Cloud, MN (1 branch) | 1 of 13 | 45.8% | $1.82B |
| State: MN (4 branches) | 16 of 277 | 0.6% | $2.04B |
Ranked by total assets among banks headquartered in the state: Largest banks in Minnesota.
Share by county and metro area
Stearns Bank N.A.'s share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Stearns, MN (3 branches) | 1 of 29 | 27.7% | $1.98B | $7.13B |
| Sarasota, FL (2 branches) | 19 of 36 | 1.2% | $219.8M | $18.35B |
| Maricopa, AZ (1 branch) | 42 of 55 | <0.1% | $97.5M | $186.33B |
| Pine, MN (1 branch) | 3 of 6 | 13.3% | $65.3M | $489.6M |
| Pinellas, FL (1 branch) | 29 of 32 | <0.1% | $27.4M | $73.89B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| St. Cloud, MN (3 branches) | 1 of 32 | 25.2% | $1.98B | $7.85B |
| North Port-Sarasota-Bradenton, FL (2 branches) | 23 of 39 | 0.8% | $219.8M | $29.05B |
| Phoenix-Mesa-Chandler, AZ (1 branch) | 43 of 55 | <0.1% | $97.5M | $189.69B |
| Tampa-St. Petersburg-Clearwater, FL (1 branch) | 52 of 60 | <0.1% | $27.4M | $131.41B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Stearns Bank N.A. (main office) | Saint Cloud, MN | 56301 | $1.82B |
| Venice Branch | Venice, FL | 34285 | $126.1M |
| Albany Branch | Albany, MN | 56307 | $99.5M |
| Arizona Branch | Scottsdale, AZ | 85260 | $97.5M |
| Sarasota (Links) Branch | Sarasota, FL | 34236 | $93.7M |
| Pine City Branch | Pine City, MN | 55063 | $65.3M |
| Holdingford Branch | Holdingford, MN | 56340 | $55.6M |
| St Petersburg (Gateway) Branch | Saint Petersburg, FL | 33702 | $27.4M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 10988) · FFIEC NIC profile (RSSD 141556)