Stearns Bank is a full-service bank providing Checking and Savings Accounts, CDs, Personal Loans, Home Mortgages, Online Banking, Commercial Construction Development Lending, Equipment Finance & Leasing, Affordable Housing Project Finance, Small Business Lending, Healthcare Finance, Specialty and Custom Project Lending, USDA and Government Loans, etc. The Bank is a wholly-owned subsidiary of Stearns Financial Services Inc. (SFSI), independent financial holding company based in Saint Cloud, Minnesota.