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Stearns Bank National Association is a Minnesota-based financial institution headquartered in Saint Cloud with approximately $3.55 billion in assets. The bank specializes in commercial lending, SBA loans, USDA financing, and small business equipment financing with locations in Minnesota, Arizona, and Florida. Founded in 1912, it is recognized as one of the nation's highest-performing banks.
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SBA 7(a) Acquisition Loan Data As Of June 30, 2025
Last 12 Months
Last 3 Years
YoY Growth
low activity
As Of June 30, 2025
Median
$325K
Average
$717K
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All rates shown as spread over Prime Rate
This Lender
Market Average
As Of June 30, 2025 - 10-year default rate indicates underwriting quality
10-Year Default Rate
0.0%
Bottom 10% of Lenders (Highest Default Rate)
Performance Ranking
100th
Lower is better among all lenders
As Of June 30, 2025 - States by loan volume (darker blue = higher volume)
