Total Assets
$3.3B
Total Deposits
$2.4B
Branches
7
Established
1912
Stearns Bank National Association is a bank headquartered in Saint Cloud, Minnesota, established in 1912. It holds $3.3B in total assets across 7 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Stearns Bank National Association earns a TFS Financial Health Grade of C (65.2/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
65.2 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
Watching Stearns Bank National Association?
Get a free alert the moment its TFS financial-health grade changes. No spam, ever.
Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Stearns Bank National AssociationHQ | 4191 2nd St S | Saint Cloud | MN | 11 |
| Stearns Bank National Association | 9225 E Shea Blvd | Scottsdale | AZ | 11 |
| Stearns Bank National Association | 7555 Dr Martin Luther King Jr St N | Saint Petersburg | FL | 11 |
| Stearns Bank National Association | 22 S Links Ave | Sarasota | FL | 11 |
| Stearns Bank National Association | 201 Center Rd | Venice | FL | 11 |
| Stearns Bank National Association | 140 5th St | Albany | MN | 11 |
| Stearns Bank National Association | 600 Hillside Ave Sw | Pine City | MN | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
65.2
Tier 1 capital ratio
15.42%
Return on assets
2.09%
Non-performing loans
2.65%
Efficiency ratio
52.81%
Asset growth (YoY)
-7.73%
Suggested direct comparisons
Plymouth, MN
$6.1B
Winona, MN
$2.9B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.