Stearns Bank National Association

Headquarters: Saint Cloud, Minnesota
Charter: Bank
Assets: $3.3B
Fed district: Minneapolis
Regulator: OCC
Holding company: Stearns Financial Services Employee Stk Ownership Plan

14 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 11, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 11, 2026

How these figures are measured

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	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. 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

Details

Source: FDIC BankFind Suite (call report data)
Entity: Stearns Bank National Association (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Stearns Bank National Association: $5
Stearns Bank National Association: $5
U.S. median: no median
Overdraft (OD)
Stearns Bank National Association: No fee
Stearns Bank National Association: No fee
U.S. median: no median
NSF / Returned Item
Stearns Bank National Association: No fee
Stearns Bank National Association: No fee
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Minnesota: Banks and credit unions headquartered in Minnesota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 61% from Q3 2025 to Q2 2026, to $50K.

Service-charge income, Q2 2026

$50K

$31KQ3 2025

$35KQ4 2025

$36KQ1 2026

$50KQ2 2026

Against the median

Stearns Bank National AssociationMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

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.

Banks only
$3.1B to $3.5B in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
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.

Fee type

Peer pricing snapshot

Monthly maintenance is $4 (44%) below the median of similar-sized banks.

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

Stearns Bank National Ass…Peer (equal prices stack)Peer median

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Stearns Bank National Association (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $50K
vs prior quarter: +$14K+38.9%; from Q1 2026
vs a year earlier: +$11K+28.2%; from Q2 2025
vs start of range: −$21K−29.6%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Stearns Bank National Association (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

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%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Stearns Bank National Association’s own schedules, with a source for each figure.

Account Maintenance

BankONStearns Monthly Service Fee$5
per month
Early Account Closure, within 90 days$25
Account Research, per hour (audience not stated, treated as personal)$20
Not compared: Charged per hour; comparison unavailable
per hour
Statement Reconciliation, per hour$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

NSF Paid Item created by check, ACH or other electronic means or in-person withdrawalsNo charge
NSF Returned Item created by check, ACH or other electronic means or in-person withdrawalsNo charge

ATM & Card

Bank Card Replacement$5
Bank Card Rush Fee$75

Wire Transfers

Wire Transfer, Incoming (audience not stated, treated as personal)$10

Check Services

Cashiers Check, customer only$5
Money Order, customer only$2
Stop Payment, per check or Zelle transaction$23
per item
Collection Item$15
Foreign Item Deposited$3.50
Copy of Check$3

Digital & Electronic

ACH Returned Item as Unauthorized$4.50

Other Fees

Account/Statement Printout$3
Duplicate Statement$5

Fee	Amount	Basis	Note
Account Maintenance
BankONStearns Monthly Service Fee	$5	per month	None
Early Account Closure, within 90 days	$25	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 charge	Not stated	None
NSF Returned Item created by check, ACH or other electronic means or in-person withdrawals	No charge	Not stated	None
ATM & Card
Bank Card Replacement	$5	Not stated	None
Bank Card Rush Fee	$75	Not stated	None
Wire Transfers
Wire Transfer, Incoming (audience not stated, treated as personal)	$10	Not stated	None
Check Services
Cashiers Check, customer only	$5	Not stated	None
Money Order, customer only	$2	Not stated	None
Stop Payment, per check or Zelle transaction	$23	per item	None
Collection Item	$15	Not stated	None
Foreign Item Deposited	$3.50	Not stated	None
Copy of Check	$3	Not stated	None
Digital & Electronic
ACH Returned Item as Unauthorized	$4.50	Not stated	None
Other Fees
Account/Statement Printout	$3	Not stated	None
Duplicate Statement	$5	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

Account Maintenance

BankONStearns Monthly Service Fee$5
per month
Early Account Closure, within 90 days$25
Statement Reconciliation, per hour$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

NSF Paid Item created by check, ACH or other electronic means or in-person withdrawalsNo charge
NSF Returned Item created by check, ACH or other electronic means or in-person withdrawalsNo charge

ATM & Card

Bank Card Replacement$5
Bank Card Rush Fee$75

Wire Transfers

International wires$40

Check Services

Cashiers Check, customer only$5
Money Order, customer only$2
Stop Payment, per check or Zelle transaction$23
per item
Collection Item$15
Foreign Item Deposited$3.50
Copy of Check$3

Digital & Electronic

ACH Next Day / Recurring File Charges, business only$10
per item
ACH Same Day File Charges, business only$15
per item
ACH Returned Item as Unauthorized$4.50

Other Fees

Account/Statement Printout$3
Duplicate Statement$5

Fee	Amount	Basis	Note
Account Maintenance
BankONStearns Monthly Service Fee	$5	per month	None
Early Account Closure, within 90 days	$25	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 charge	Not stated	None
NSF Returned Item created by check, ACH or other electronic means or in-person withdrawals	No charge	Not stated	None
ATM & Card
Bank Card Replacement	$5	Not stated	None
Bank Card Rush Fee	$75	Not stated	None
Wire Transfers
International wires	$40	Not stated	None
Check Services
Cashiers Check, customer only	$5	Not stated	None
Money Order, customer only	$2	Not stated	None
Stop Payment, per check or Zelle transaction	$23	per item	None
Collection Item	$15	Not stated	None
Foreign Item Deposited	$3.50	Not stated	None
Copy of Check	$3	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	$4.50	Not stated	None
Other Fees
Account/Statement Printout	$3	Not stated	None
Duplicate Statement	$5	Not stated	None

Correct a fee source

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.

Fee change alerts

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