{
  "slug": "stearns-bank",
  "name": "Stearns Bank National Association",
  "shortName": "Stearns Bank",
  "type": "bank",
  "fdicCert": "10988",
  "website": "https://www.stearnsbank.com",
  "hqCity": "Saint Cloud",
  "hqState": "MN",
  "totalAssets": 3296457,
  "totalAssetsUnit": "thousands-usd",
  "description": "FDIC-insured bank headquartered in Saint Cloud, MN.",
  "profileSourceName": "FDIC BankFind Suite",
  "profileSourceUrl": "https://banks.data.fdic.gov/api/institutions?filters=CERT:10988&format=json",
  "profileLastVerified": "2026-06-28",
  "websiteDomain": "stearnsbank.com",
  "indexableRoutingCount": 4,
  "verifiedRoutingEvidenceCount": 0,
  "routingLookupEvidenceCount": 0,
  "routingStateCoverage": [
    "FL",
    "GA",
    "MN"
  ],
  "routingNumbers": [
    {
      "number": "061120712",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "Stearns Bank cross-checked routing number",
      "state": "MN",
      "verificationStatus": "cross-checked",
      "statusNote": "Cross-checked across 3 public candidate source families; not verified against an official bank source.",
      "sourceName": "3 public routing candidate source families",
      "sourceUrl": "https://github.com/wealthsimple/frb-participants",
      "crossCheckSourceCount": 3,
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "067092501",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "Stearns Bank cross-checked routing number",
      "state": "MN",
      "verificationStatus": "cross-checked",
      "statusNote": "Cross-checked across 3 public candidate source families; not verified against an official bank source.",
      "sourceName": "3 public routing candidate source families",
      "sourceUrl": "https://github.com/wealthsimple/frb-participants",
      "crossCheckSourceCount": 3,
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "091905347",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "Stearns Bank cross-checked routing number",
      "state": "MN",
      "verificationStatus": "cross-checked",
      "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
      "sourceName": "5 public routing candidate source families",
      "sourceUrl": "https://github.com/moov-io/fed",
      "crossCheckSourceCount": 5,
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "122105799",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "Stearns Bank cross-checked routing number",
      "state": "MN",
      "verificationStatus": "cross-checked",
      "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
      "sourceName": "5 public routing candidate source families",
      "sourceUrl": "https://github.com/moov-io/fed",
      "crossCheckSourceCount": 5,
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "063112993",
      "kind": "ach",
      "transferTypes": [
        "ACH",
        "domestic wire"
      ],
      "label": "Stearns Bank unverified routing candidate",
      "state": "FL",
      "verificationStatus": "unverified",
      "statusNote": "5 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "moov-io/fed FedACH snapshot",
      "sourceUrl": "https://github.com/moov-io/fed",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "063113523",
      "kind": "ach",
      "transferTypes": [
        "ACH",
        "domestic wire"
      ],
      "label": "Stearns Bank unverified routing candidate",
      "state": "FL",
      "verificationStatus": "unverified",
      "statusNote": "5 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "moov-io/fed FedACH snapshot",
      "sourceUrl": "https://github.com/moov-io/fed",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "091910455",
      "kind": "ach",
      "transferTypes": [
        "ACH",
        "domestic wire"
      ],
      "label": "Stearns Bank unverified routing candidate",
      "state": "MN",
      "verificationStatus": "unverified",
      "statusNote": "5 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "moov-io/fed FedACH snapshot",
      "sourceUrl": "https://github.com/moov-io/fed",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "061120767",
      "kind": "wire",
      "transferTypes": [
        "domestic wire"
      ],
      "label": "Stearns Bank unverified routing candidate",
      "state": "GA",
      "verificationStatus": "unverified",
      "statusNote": "One public candidate source family maps this routing number to Stearns Bank, but fin.codes has not verified it against an official bank source.",
      "sourceName": "wealthsimple/frb-participants Fedwire JSON",
      "sourceUrl": "https://github.com/wealthsimple/frb-participants",
      "lastReviewed": "2026-06-28"
    }
  ],
  "relatedBanks": [
    "21st-century-bank",
    "accentra",
    "affinity-plus",
    "alexandria-schools-employees"
  ],
  "lastVerified": "2026-06-28",
  "dataScore": {
    "value": 87,
    "grade": "strong",
    "label": "Strong coverage",
    "summary": "Strong coverage: uses multi-source cross-checked routing candidates. The score reflects source depth and confidence, not bank safety or product quality.",
    "components": [
      {
        "id": "profile",
        "label": "Profile facts",
        "value": 83,
        "description": "Regulator/source profile includes headquarters plus useful public institution facts."
      },
      {
        "id": "routing",
        "label": "Routing confidence",
        "value": 80,
        "description": "4 indexable routing records (0 verified, 4 cross-checked)."
      },
      {
        "id": "review",
        "label": "Review coverage",
        "value": 78,
        "description": "4 routing candidates cleared by automated review."
      },
      {
        "id": "freshness",
        "label": "Freshness",
        "value": 100,
        "description": "Profile and routing source dates are recent for this build."
      }
    ],
    "reviewSignals": {
      "automatedReviewedCandidates": 4,
      "humanReviewedCandidates": 0,
      "manualReviewCandidates": 0
    },
    "factors": [
      "Regulator or official profile source",
      "FDIC certificate linked",
      "4 cross-checked routing candidates",
      "4 unverified routing candidates",
      "4 auto-reviewed routing candidates",
      "Recently reviewed source dates"
    ]
  },
  "routingProof": {
    "value": 47,
    "grade": "cross-checked",
    "label": "Cross-checked"
  }
}