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Strong & Secure

Not all banks are created equal.

With the highest bank-safety rating available and financial discipline leading every decision, Stearns Bank is a proven safe haven and fortress of strength for depositors. 



Strength In Numbers

Financial discipline guides us. See our annual report for a closer look.


With 25% capital and 2.78% reserves, we are consistently 2-to-3 times stronger than our peers.


A 3% Return on Assets and clean investment portfolio solidifies our bulletproof balance sheet.


As a bank owned 22% by employees, we make careful decisions because they affect us personally.

One Bank. Endless Possibilities

Save. Spend. Grow. Plan. We can help you do more. 

At Stearns Bank, we make business banking better with competitive interest rates and fees, hardworking accounts and innovative tools - all backed by outstanding service and secured with high-balance FDIC protection.  

Business account solutions include the BusinessEssentials™ checking, for businesses with high balances and strong transaction volumes; and BusinessSmart™ checking and BusinessSmart savings accounts, for businesses of all types, from start-ups to seasoned enterprises.


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Simple, smart, and rewarding banking solutions, paired with outstanding service and innovative tools - you can expect it all from Stearns Bank. Competitive interest rates and the backing of high-balance FDIC protection keep you and your family's funds safe and sound. 

Account solutions for personal use include Above the Norm™ checking, and Above the Norm™ market savings accounts. 


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Saving for tomorrow's business or personal plans is easier with competitive Certificate of Deposit (CD) rates from Stearns Bank. Choose the term and great rate that will help you reach your goals.


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Whether you're just getting started, expanding, need working capital, embrace every opportunity with Stearns Bank. Our team of lending experts will guide you, every step of the way with small business loans, USDA Rural Development, commercial real estate, your loan options are vast and your support team is strong. 


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Timing is key when it comes to adding or replacing equipment. At Stearns Bank, we work with speed and precision, every step of the way. We serve a wide range of industries, nationwide, offering custom payment solutions on new and used equipment. 


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Different is Good

We operate unlike other banks 

A bulletproof balance sheet, paired with capital and reserves­–double those of our peers–delivers peace of mind to our customers.

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Full FDIC Protection 

With high-balance coverage options, the full value of your deposits, even those beyond the FDIC individual bank limit of $250,000, can be protected, with the convenience of a single account and personal service from Stearns Bank.

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Technology + Banking

Innovation is a high priority at Stearns Bank. We deliver convenience and security with a fully digital banking platform, packed with tools and systems to make life and business better. 

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