Bank · FDIC insured
Sentry Bank
A $415.5M bank headquartered in St. Joseph, MN, with 4 branches in Minnesota. Best rates: CDs 4.00% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs844.00%for 9–15 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Sentry Bank
Sentry Bank is a locally owned and operated bank founded in 1904.
It serves Central Minnesota with four branch locations across the St. Cloud area, including St. Cloud Downtown, St. Cloud West, St. Joseph, and St. Stephen.
- Headquarters
- 400 4th Ave Ne, St. Joseph, MN 56374
- FDIC certificate
- 8546 ↗
Branches
4 branches in Minnesota
Loading map…
Minnesota
4 branches
- Sentry BankMain office400 4th Ave Ne, St. Joseph, MN 56374Directions
- Saint Cloud Branch4350 8th St N, St. Cloud, MN 56303Directions
- Saint Cloud Downtown Office120 4th Ave S, St. Cloud, MN 56301Directions
- St. Stephen State Bank Branch2 Central Ave S, St. Stephen, MN 56375Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.66% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.26% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $85 | $81 | — |
- CapitalLeverage ratio8.66%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.26%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$85Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Sentry Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.