Compared with Minnesota
3 of 14
compared fees are above the median.
9 below, 2 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
3rd percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Minnesota median
of 14 compared; 9 below, 2 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for Stearns Bank National Association at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCFD2170 or RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Minnesota median | Published fees above the Minnesota median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Stearns Bank National Association's published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.1% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (3rd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $50K in Q2 2026, 28% above the same quarter a year earlier ($39K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
3 of 14 compared published fees sit above the Minnesota median; 9 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Minnesota medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Minnesota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 61% from Q3 2025 to Q2 2026, to $50K. Its share of revenue, 0.1%, is below the 2.2% median for banks with $1B to $10B in assets.
$50K
Stearns Bank National AssociationMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Stearns Bank National Association · $3.3B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Stearns Bank National Association(this institution) | Saint Cloud, MN | $3.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Academy Bank, National Association | Kansas City, MO | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Austin Bank, Texas National Association | Jacksonville, TX | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Banco do Brasil Americas | Miami, FL | $3.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| BankFirst Financial Services | Columbus, MS | $3.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bankwell Bank | New Canaan, CT | $3.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Banterra Bank | Marion, IL | $3.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| BCB Community Bank | Bayonne, NJ | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Centreville Bank | West Warwick, RI | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Exchange Bank | Santa Rosa, CA | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Farmers Bank & Trust Company | Magnolia, AR | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fidelity Bank, National Association | Wichita, KS | $3.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Citizens Community Bank | Mansfield, PA | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Dakota National Bank | Yankton, SD | $3.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Western Trust Bank | Denver, CO | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lake Ridge Bank | Middleton, WI | $3.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lone Star National Bank | Pharr, TX | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Monet Bank | Plano, TX | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North American Savings Bank, F.S.B. | Grandview, MO | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Northern Bank & Trust Company | Woburn, MA | $3.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Oakstar Bank | Springfield, MO | $3.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| STAR Financial Bank | Fort Wayne, IN | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| UniBank for Savings | Whitinsville, MA | $3.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Union Savings Bank | Danbury, CT | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Unity Bank | Clinton, NJ | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| WestStar Bank | El Paso, TX | $3.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 18 publish this fee(monthly maintenance)
7 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $5, against a peer median of $9 among 18 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026. Total assets from FDIC and NCUA records.
Call reports for Stearns Bank National Association (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $50K | +$14K | +38.9% |
| Q1 2026 | $36K | +$1K | +2.9% |
| Q4 2025 | $35K | +$4K | +12.9% |
| Q3 2025 | $31K | −$8K | −20.5% |
| Q2 2025 | $39K | −$27K | −40.9% |
| Q1 2025 | $66K | −$4K | −5.7% |
| Q4 2024 | $70K | −$1K | −1.4% |
| Q3 2024 | $71K | +$7K | +10.9% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Stearns Bank National Association left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Stearns Bank National Association by share.
Amounts from Stearns Bank National Association’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| BankONStearns Monthly Service Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Account Closure, within 90 days | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Research, per hour (audience not stated, treated as personal) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Statement Reconciliation, per hour | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| NSF Paid Item created by check, ACH or other electronic means or in-person withdrawals | No chargeBelow the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF Returned Item created by check, ACH or other electronic means or in-person withdrawals | No chargeBelow the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Bank Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Bank Card Rush Fee | $75Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer, Incoming (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashiers Check, customer only | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order, customer only | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment, per check or Zelle transaction | $23Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Collection Item | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Foreign Item Deposited | $3.50Below the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copy of Check | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Returned Item as Unauthorized | $4.50Below the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
Other Fees | |||
| Account/Statement Printout | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Duplicate Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| BankONStearns Monthly Service Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Account Closure, within 90 days | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Statement Reconciliation, per hour | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| NSF Paid Item created by check, ACH or other electronic means or in-person withdrawals | No chargeBelow the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF Returned Item created by check, ACH or other electronic means or in-person withdrawals | No chargeBelow the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Bank Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Bank Card Rush Fee | $75Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| International wires | $40 | Not stated | None |
Check Services | |||
| Cashiers Check, customer only | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order, customer only | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment, per check or Zelle transaction | $23Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Collection Item | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Foreign Item Deposited | $3.50Below the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copy of Check | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Next Day / Recurring File Charges, business only | $10 | per item | None |
| ACH Same Day File Charges, business only | $15 | per item | None |
| ACH Returned Item as Unauthorized | $4.50Below the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
Other Fees | |||
| Account/Statement Printout | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Duplicate Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Stearns Bank National Association operates, and what regulators and customers have on file.
Branch footprint
8 offices in 3 states, $2.4B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 3 | $2.0B | |
| 2 | $219.8M | |
| 1 | $97.5M | |
| Outside a metro area | 1 | $65.3M |
| 1 | $27.4M |
St. Cloud, MN
25.2% of bank deposits, #1 of 32, up 7.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Old National Bank | 11.2% |
| Wells Fargo Bank, National Association | 8% |
| Falcon National Bank | 6.8% |
| U.S. Bank National Association | 6% |
| Sentry Bank | 4.7% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In St. Cloud, MN, Stearns Bank National Association holds 25.2% of bank deposits, #1 of 32, with 3 offices.
83 offices of 38 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 32 institutions shown. $7.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 25.2% share, 3 offices, #1 of 32
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
27 offices of 7 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
2 past actions
Past
OCC, penalty $1.0M
BSA SAR Violation / 12 CFR 21.11 or 163.180; BSA Violation Cited; BSA/AML; SAR/CTR Monitoring/Filing Issue
OCC. Ended February 24, 2017
BSA SAR Violation / 12 CFR 21.11 or 163.180; BSA Violation Cited; BSA/AML; SAR/CTR Monitoring/Filing Issue
Source: public enforcement action lists from the OCC and Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.