Bank tracked in the Embedded Finance Index. Named by 3 companies, most often as their banking-as-a-service.
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3 companies name Stearns Bank in their stack. The most common role is banking-as-a-service (2). A company can use the same bank for more than one thing.
Open Banking Tracker has no developer portal on file for Stearns Bank. One aggregator connects to its accounts.
Stearns Bank has operated as a community bank since 1912, historically focused on SBA lending, equipment financing, and USDA loans. Over the past few years it has leaned heavily into becoming a sponsor bank for fintech companies, partnering with Synctera as a BaaS platform and with Sardine for compliance infrastructure. This makes Stearns Bank one of the few community banks that explicitly positions itself as a compliance-first embedded finance sponsor, monetizing its national bank charter by powering fintech programs rather than just growing a branch network.
Other banks named for BaaS in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
An embeddable badge for Stearns Bank’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.
<a href="https://www.embeddedfinanceindex.com/vendors/stearns-bank?ref=badge">
<img src="https://www.embeddedfinanceindex.com/api/badge/stearns-bank.svg"
alt="Ranked #212 of 340 in BaaS — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/stearns-bank/install" width="1" height="1" alt="" style="display:none">3 companies are linked to Stearns Bank in the Embedded Finance Index 2026, through their own public disclosures or Stearns Bank's published customer list, including Fintech Automation, Rollfi and WireFX.
Stearns Bank is a bank. Companies in the Embedded Finance Index 2026 name it as their banking-as-a-service (2) and sponsor bank (2).
The most-named BaaS alternatives to Stearns Bank are Evolve Bank & Trust (71 buyers), Sutton Bank (63 buyers), Cross River (56 buyers), Pathward (48 buyers), ClearBank (39 buyers) and Thread Bank (35 buyers).
Stearns Bank is founded in 1912 and headquartered in St. Cloud, Minnesota, United States.
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