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Local banking directory

Banks and Bank Branches in St. Cloud, Minnesota

The FDIC reported 4 deposit-reporting offices from 4 institutions in St. Cloud as of June 30, 2025. Bankular currently provides 4 detailed location pages with addresses, maps and directions.

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FDIC-reported offices4
Institutions reporting4
Detailed location pages4
Reported branch deposits$455.5M
SOD reporting dateJune 30, 2025

Market analysis

What the deposit data shows

FDIC SOD, June 30, 2025
Largest institutionWells Fargo Bank48.93% of deposits
Top three share92.02%
Deposit HHI3,612Higher concentration
Current detailed pages4Matches the June 2025 SOD office count

Wells Fargo Bank held 48.93% of reported branch deposits in St. Cloud. The three largest institutions together held 92.02%. Bankular places the resulting HHI of 3,612 in its higher concentration descriptive band.

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Local deposit market

Reported offices, deposits and market share

FDIC SOD, June 30, 2025
InstitutionReported officesDepositsShare
Wells Fargo Bank1$222.9M48.93%
American Heritage National Bank1$146.5M32.16%
Harvest Bank1$49.8M10.92%
American National Bank of Minnesota1$36.4M7.98%