SBA lender profile
Stearns Bank National Association
Stearns Bank National Association appears in the public SBA loan data with 5,140 funded 7(a) loans since FY2010, totaling $2.0B, an average of $393K per loan, and an estimated 76,030 jobs supported. Its SBA lending concentrates in Florida and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 8.0%. 89.7% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 45
- Scale 98
- Activity 93
- Consistency 83
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Stearns Bank National Association the right lender for you?
Lenders fund what they know. Stearns Bank National Association's SBA lending concentrates in Florida (553 loans) and Accommodation and Food Services (1,236 loans), at an average loan of $393K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $3.3B
- Headquarters
- Saint Cloud, MN
- FDIC cert
- #10988
- Status
- Active
Where Stearns Bank National Association lends
Top states by funded SBA volume.
Metro areas where Stearns Bank National Association funds
What Stearns Bank National Association funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 1,236 | $579.3M |
| Other Services | 824 | $323.8M |
| Health Care and Social Assistance | 509 | $212.0M |
| Retail Trade | 377 | $133.8M |
| Transportation and Warehousing | 256 | $114.3M |
| Manufacturing | 253 | $113.0M |
Stearns Bank National Association SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 51 | $24.4M |
| 2011 | 58 | $34.4M |
| 2012 | 54 | $43.1M |
| 2013 | 108 | $99.2M |
| 2014 | 151 | $139.1M |
| 2015 | 490 | $205.4M |
| 2016 | 818 | $260.5M |
| 2017 | 757 | $235.8M |
| 2018 | 806 | $273.0M |
| 2019 | 889 | $274.8M |
| 2020 | 311 | $78.6M |
| 2021 | 62 | $52.2M |
| 2022 | 94 | $66.6M |
| 2023 | 118 | $57.1M |
| 2024 | 157 | $84.7M |
| 2025 | 172 | $76.8M |
| 2026 | 44 | $12.1M |
Related SBA lenders
Other lenders active in Florida or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
Stearns Bank National Association: frequently asked questions
Does Stearns Bank National Association offer SBA loans?
Yes. Stearns Bank National Association appears in the public SBA data with 5,140 funded SBA 7(a) loans totaling $2.0B.
How many SBA loans has Stearns Bank National Association made?
Stearns Bank National Association is associated with 5,140 SBA 7(a) loans totaling $2.0B in the public SBA data (as of 2026-03-31).
What is Stearns Bank National Association's SBA charge-off rate?
About 8.0% of Stearns Bank National Association's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Stearns Bank National Association do most of its SBA lending?
Stearns Bank National Association's SBA lending in the data is most concentrated in Florida, and by industry in Accommodation and Food Services.
Is Stearns Bank National Association an SBA Preferred Lender (PLP)?
The loan record shows Stearns Bank National Association operating under PLP delegated authority: 4,610 of its 7(a) loans (89.7%) were processed through the Preferred Lenders Program, including 307 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Stearns Bank National Association SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/stearns-bank-national-association/
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