Lists · Deposits by metro area
St. Cloud, MN Metro Area Bank Deposit Market Share
Stearns Bank N.A. holds the largest share of deposits in the St. Cloud, MN metro area, 25.2%, followed by Old National Bank (11.2%) and Wells Fargo Bank, N.A. (8.0%). 32 institutions hold $7.85B at 60 offices as of June 30, 2026.
| # | Institution | Deposits | Market share | Share change from 2025 |
|---|---|---|---|---|
| 1 | Stearns Bank N.A. | $1.98B | 25.16% | — |
| 2 | Old National Bank | $880.4M | 11.22% | — |
| 3 | Wells Fargo Bank, N.A. | $627.3M | 7.99% | — |
| 4 | Falcon National Bank | $532.3M | 6.78% | — |
| 5 | U.S. Bank N.A. | $472.9M | 6.02% | — |
| 6 | Sentry Bank | $365.0M | 4.65% | — |
| 7 | American Heritage National Bank | $336.2M | 4.28% | — |
| 8 | Bankvista | $257.4M | 3.28% | — |
| 9 | Deerwood Bank | $242.3M | 3.09% | — |
| 10 | Liberty Bank Minnesota | $222.0M | 2.83% | — |
| 11 | Granite Bank | $210.8M | 2.68% | — |
| 12 | West Bank | $208.4M | 2.66% | — |
| 13 | Minnesota National Bank | $171.8M | 2.19% | — |
| 14 | Harvest Bank | $152.4M | 1.94% | — |
| 15 | Freeport State Bank | $147.9M | 1.88% | — |
| 16 | The Huntington National Bank | $133.5M | 1.70% | — |
| 17 | Pine Country Bank | $133.2M | 1.70% | — |
| 18 | Minnwest Bank | $130.4M | 1.66% | — |
| 19 | Frandsen Bank & Trust | $113.7M | 1.45% | — |
| 20 | Kensington Bank | $89.8M | 1.14% | — |
| 21 | State Bank of Cold Spring | $73.8M | 0.94% | — |
| 22 | Farmers and Merchants State Bank of Pierz | $61.0M | 0.78% | — |
| 23 | Bonanza Valley State Bank | $59.5M | 0.76% | — |
| 24 | Perennial Bank | $46.5M | 0.59% | — |
| 25 | Midcountry Bank | $46.4M | 0.59% | — |
| 26 | American National Bank of Minnesota | $38.3M | 0.49% | — |
| 27 | BMO Bank N.A. | $28.7M | 0.37% | — |
| 28 | The First National Bank of Milaca | $25.6M | 0.33% | — |
| 29 | JPMorgan Chase Bank, N.A. | $25.1M | 0.32% | — |
| 30 | Saint Martin National Bank | $25.0M | 0.32% | — |
| 31 | Gate City Bank | $17.4M | 0.22% | — |
| 32 | Versabank USA, N.A. | $0 | <0.01% | — |
About this list
Deposits are those held at each institution's offices in St. Cloud, MN (the Census Bureau core based statistical area) as of June 30, 2026, from the FDIC Summary of Deposits, whatever state the institution is headquartered in. Market share is the institution's deposits divided by all deposits in the market. Shares are by bank charter, not rolled up to the holding company, and cover FDIC-insured institutions only, so credit unions are not included. Each office is placed in its county and metro area by the FDIC branch directory; the few offices the directory does not list are left out of the market and of every share.
The change from 2025 is not shown for this market: some offices that closed during the year cannot be placed in a single county or metro area, and they hold enough deposits to move the comparison. The 2026 shares are complete.
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