• Austin
    Map ATM
    1419 1st Avenue Southwest
    Austin, MN 55912
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    Lobby Hours
    Monday - Thursday9:00am - 5:00pm
    Friday9:00am - 4:15pm
    Saturday - SundayClosed
    Drive-Thru Hours
    Monday - Thursday8:00am - 5:00pm
    Friday8:00am - 4:15pm
    Saturday - SundayClosed

Austin, MN was the first location to be opened in 1958 when Sterling State Bank was founded, making it our oldest location. Sterling State Bank has been providing consumer and commercial banking services to Austin, MN and the southeast MN area for over 50 years. Our experienced Personal Bankers and mortgage Lenders can help with any of your banking needs from home mortgages to business cash management services. Customer Service is at the heart of what we do and we work hard to be your local community bank. While we offer a full range of financial solutions for both you and your business, small business is our business.

Community Involvement |  Austin, MN

The community in Austin, MN is rich with volunteer opportunities, and our staff makes sure to take advantage of that. We’ve taken part in events at the YMCA, the Mabel Foundation, Habitat for Humanity, Math Masters, ALS Association, and many others. We believe community involvement is key to building relationships, which is at the core of banking.  


Our Austin branch currently supports local organizations such as:

Zonta International

Austin Lions

Austin Rotary

Hormel historic Home

VFW Post 1216

Riverland Community College Foundation

And more!

Home Mortgage Loans in Austin, MN

Getting a home loan in Austin, MN is easy when you work with the lenders at Sterling State Bank. We offer a wide range of terms customized to your unique situation. Our lenders have extensive experience in the Austin, MN – Albert Lea, MN real estate market and can offer helpful assistance when determining which mortgage solution is best for you. Being a local community bank means you get quick decisions and local processing on your loan.

Whether it’s your first home or your dream home, we’ll help you get the keys.

Personal Banking | Austin, MN

Sterling State Bank in Austin, MN can take care of all of your personal financial needs.

  • Personal Checking Accounts
  • Personal Savings Accounts
  • CDs and IRAs
  • Home Mortgage Loans
  • Mobile Banking and Online Banking

Commercial Banking | Austin, MN

Our team takes pride in helping local small businesses in Austin, MN  and the surrounding southeastern MN area with their financial needs.

  • Business Checking Accounts
  • Business Savings Accounts
  • Commercial Loans
  • Construction Loans
  • Operating Lines of Credit
  • Merchant Card Services
  • Remote Deposit Capture
  • Wire Transfers
  • Business Online Banking

Commercial Lending in Austin, MN

Our primary focus is helping small businesses grow and achieve their goals. To do that, we offer a variety of business loans in Austin, MN such as commercial real estate loans, construction loans, equipment loans and business lines of credit. Our commercial lenders can sit down and help you figure out what business loan is right for your business needs. 

  • local, quick decision making
  • competitive fixed or variable rates
  • knowledgeable lenders who will work hard for you