Lender record
The real lending record — every figure from funded deals. HQ: 4191 2nd St S, Saint Cloud, MN. 7 branches.
958
Recent deals (FY20+)
$230K
Typical deal
11 days
Approval → funding
2.7%
Failure rate (FY20–23)
Most Stearns Bank National Association deals land between $114K and $400K — that range covers half of everything they fund. Top industries and states:
Industries they fund most
Most active states
Franchises they finance most
Total assets
$3.3B
▼ 1.4% vs prior quarter
Deposits on hand
$2.5B
▼ 2.2% vs prior quarter
Loans outstanding
$2.8B
▼ 2.5% vs prior quarter
Net income (latest qtr)
$17.4M
FDIC call-report data, quarter ending 03/2026.
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Stearns Bank National AssociationMain office4191 2nd St SSaint Cloud, MN 56301 · since 1912
Pine City Branch600 Hillside Ave SwPine City, MN 55063 · since 1915
Venice Branch201 Center RdVenice, FL 34285 · since 1988
Sarasota (Links) Branch22 S Links AveSarasota, FL 34236 · since 1988
Albany Branch140 5th StAlbany, MN 56307 · since 1997
Arizona Branch9225 E Shea BlvdScottsdale, AZ 85260 · since 1997
St Petersburg (Gateway) Branch7555 Dr Martin Luther King Jr St NSaint Petersburg, FL 33702 · since 1998
Branch data: FDIC BankFind.
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17 of Stearns Bank National Association's loans on record were charged off — the lender gave up collecting, which usually means the business failed. Each links to its full record.
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893 businesses on record — the 60 largest by funding. Each links to its full SBA record.
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DealRoom analysis of public lending records, FY2020–present. Not affiliated with Stearns Bank National Association.
Stearns Bank National Association is an SBA lender tracked by DealRoom.so SBA Intelligence, with lending activity broken down by state, industry, and loan size from public records. DealRoom is not a lender.
Source: DealRoom.so SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. DealRoom is not a lender and does not guarantee financing.
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Stearns Bank National Association is one of 1,000+ SBA lenders on record — and they all have different appetites. Tell us your deal size, industry, and location, and we'll point you to the banks that fund deals like yours.
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Deka Lash
5 deals
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If you were the buyer here
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
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