Serving Businesses of Every Size
Sentry Bank offers a complete array of small business loans, business checking accounts, business savings accounts, business credit cards and other features to serve businesses of every size.
Business Checking Accounts
Our Small Business Checking Account is perfect for companies that write less than 20 checks per month. Many businesses fall into this category, particularly as they are just starting up. Our regular Business Checking Account is for larger businesses who need the ability to write lots of checks without worrying about getting overwhelmed with fees.
Our Business NOW Account is for non-profit businesses and organizations that maintain a balance over $1,000.00 in their checking account and would like the ability to earn some interest each month.
Business Checking
Business Savings Accounts
There comes a time when every business starts making enough money that they want to put some away for future needs. A Business Savings Account is a perfect place to hold your money while you grow your business.
Business Savings
Business Loans
We have more ways than ever to get you the money you need to start or grow your business. We offer SBA Lending, Commercial Real Estate Financing, Lines of Credit, and Equipment and Inventory Loans.
Sentry Bank is a SBA Preferred Lender, able to offer government backed loans up to $5 million to qualifying businesses.We are committed to helping local businesses not only succeed, but thrive here in Central Minnesota.
Business Loans
Health Savings Accounts
Designed for people who are enrolled in High Deductible Health Insurance Plans, Health Savings Accounts (HSAs) provide you and your employees a place to save money for medical expenses. It also offers a number of tax benefits, enabling you to get more bang for your buck when it comes to medical expenses.
Health Savings Accounts

Business Credit Card
You can choose what’s best for your business. The choice is yours.
Sentry Bank offers VISA credit cards that offer extended intro rates, cash back or bonuses. See a Sentry Bank representative or click the link below for more details.

Grow your small business with complimentary services through Autobooks
Handle your business finances in the same place you do your banking.
Autobooks offers invoicing, payment acceptance, accounting, and more — all inside online and mobile banking. See a Sentry Bank representative or click the link below for more details.
Meet Our Business Bankers
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Ryan Holthaus
Ryan has been with Sentry Bank for the last 8+ years, bringing over 20 years of business experience to his work with both new and established business customers. Ryan serves as the Senior Vice President/Senior Lender and is an active member of the Cold Spring community, St. James Catholic Church, Sertoma, as well as a Graduate of the University of Wisconsin Graduate School of Banking. Ryan also coaches baseball while being the President of the CSAYSA. See Ryan for any of your commercial banking needs.
NMLS #1469570
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Kevin Fitzpatrick
Kevin has been with Sentry Bank since 2018, bringing over 20 years of banking experience, including 8+ years of lending experience. Kevin’s current role is Vice President within the Commercial Lending division. He has a BS in Business Management and an MBA in Business Administration. Kevin plays an active role in the community through his involvement with organizations like Big Brothers Big Sisters of Central MN and the Sartell Chamber of Commerce. Outside of work, Kevin enjoys spending time with his two daughters and participating in outdoor activities.
NMLS #1514570
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Ryan Davidson
Ryan is a Vice President Commercial Loan Officer with Sentry Bank. Prior to joining Sentry Bank, Ryan spent 19 years in banking gaining the knowledge and experience to help clients realize their financial dreams. He received his undergraduate degree in Business Management, Finance, and Marketing from Southwest Minnesota State University. Ryan’s success is built on a foundation of hard work, integrity, and unbeatable customer service. His goal is to build lifelong relationships with his clients and to have a positive impact on the communities in which he proudly works. With many years of service and the right tools at his disposal, he is confident he can find the solution to make your dreams a reality. Outside work, Ryan enjoys spending time with his wife and two wonderful children. He enjoys watching them grow each day as they learn the life skills that will carry them for many years to come.
NMLS #578081
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Patrick Baumgard
Patrick is a Commercial Loan Officer with Sentry Bank and brings over 25 years of community banking experience. He has a BS Degree in Economics from Minnesota State University, Mankato and attended the Graduate School of Banking at the University of Wisconsin, Madison. He is certified in both Compliance and Security, achieving CCBCO and CCBSO designations through the ICBA. Patrick is active in both the St. Joseph and St. Cloud communities and is a board member of the Wright County EDP.
NMLS #794600
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Matt Nelson
Matt Nelson is a Business Banking Relationship Manager at Sentry Bank serving the Twin Cities Market. Prior to joining Sentry, Matt spent 12 years at US Bank gaining diverse experience in Retail Consumer Banking, Community Banking, Middle Market and Business Banking. He received his undergraduate degree in Economics and Management Studies from St Olaf College. After spending 4 years in Ames, IA where Matt’s wife, Jessica, attended Veterinary School, he and his family moved back to MN. He and his wife and their 3 kids live in the Maple Grove area. Matt works with the MN Chapter of Juvenile Diabetes Research Foundation to execute the JDRF Walk for a Cure each year.
NMLS #570852