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Saint Clair State Bank (Incorporated)

Saint Clair, MN · Cert 1903 · Saint Clair Agency Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

32

Q2 2024Q2 2026peer median (50)

Asset Quality

90

Q2 2024Q2 2026peer median (50)

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

73

Q2 2024Q2 2026peer median

Efficiency

98

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Saint Clair State Bank (Incorporated)

Saint Clair, MN · Cert 1903 · Saint Clair Agency Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$134.4MAssets
$99.5MLoans
$118.4MDeposits
$15.0MEquity
Loan mix
78%RE $55.2M14%C&I $10.1M8%Consumer $5.5MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $99.0M16%Noninterest $19.4MQ2 2025Q2 2026

NIM

5.45%Q2 ’245.63%Q2 ’255.51%Q2 ’26-1%+5%

Non-interest income vs. expense

1.44%Q2 ’241.40%Q2 ’251.36%Q2 ’26-2%-3%

Market Position · Mankato, MN · 2026 SOD (annual) · 3.4% share · #10 of 19 inst. · $0.1B of $3.5B

Executive Summary

  • Earnings: ROA of 1.83%, up 23 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.03% of loans (+3 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.08%, up 14 bps from a year ago.
  • Funding: loans stand at 84.07% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.83%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.49%+18 bps YoY

Efficiency Ratio (YTD, annualized)

37.18%-309 bps YoY

Tier 1 Leverage Ratio

11.08%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.61%1.67%1.46%1.82%1.83%+23 bps
Return on Equity15.04%15.60%13.56%16.73%16.68%+164 bps
Net Interest Margin3.31%3.30%3.25%3.52%3.49%+18 bps
Efficiency Ratio40.27%38.89%54.22%36.30%37.18%-309 bps
Non-Interest Burden1.23%1.18%1.68%1.18%1.20%-4 bps
Growth
Asset Growth (YoY)10.16%12.45%4.81%5.14%6.47%-369 bps
Loan Growth (YoY)3.86%3.69%2.08%4.13%5.38%+153 bps
Deposit Growth (YoY)10.70%13.33%4.55%4.76%6.22%-448 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.01%0.01%0.03%+3 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.63%1.63%1.25%1.27%1.24%-39 bps
Allowance Coverage of NPLs219.9x219.9x206.5x137.4x37.5x-182.4x
Capital
Tier 1 Leverage Ratio10.94%11.00%10.72%11.02%11.08%+14 bps
Total Risk-Based Capital10.94%11.00%10.72%11.02%11.08%+14 bps
Equity / Assets10.84%10.78%10.87%10.95%11.13%+29 bps
Liquidity & Funding
Loans / Deposits84.74%81.40%85.35%82.88%84.07%-67 bps
Liquid Assets / Assets14.08%16.32%16.46%14.96%15.97%+189 bps
CRE / Total Capitaln/a58.89%55.51%51.96%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Saint Clair State Bank (Incorporated)

Saint Clair, MN · Cert 1903 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Saint Clair Agency Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$134.4MAssets
$99.5MLoans
$118.4MDeposits
$15.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: total risk-based capital ratio trails 82% of banks under $1B in assets operating in a single state (rank 608 of 746).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.81%

Rank 86 of 746

Net Interest Margin

3.49%

Rank 457 of 746

Efficiency Ratio

37.18%

Rank 14 of 746

Equity / Assets

11.13%

Rank 313 of 746

Non-interest income vs. expense

$0.2M$1.8MINCOMEEXPENSE
Unfavorable gap of $1.6M · efficiency ratio beats 98% of banks under $1B in assets operating in a single state
Bank 37.18%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.81%0.72%1.06%1.45%Beats 88%86 / 746
Return on Equity16.28%6.74%10.51%13.63%Beats 88%87 / 746
Net Interest Margin3.49%3.17%3.68%4.16%Beats 39%457 / 746
Efficiency Ratio37.18%55.74%64.58%75.47%Beats 98%14 / 746
Asset Quality
Nonperforming Loans / Loans0.03%0.09%0.42%1.07%Beats 80%152 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio11.08%11.55%13.75%17.60%Beats 20%597 / 746
Total Risk-Based Capital Ratio11.08%11.71%14.33%18.43%Beats 18%608 / 746
Equity / Assets11.13%8.90%10.51%13.06%Beats 58%313 / 746
Liquidity & Funding
Loans / Deposits84.07%61.31%78.27%90.78%63rd pctl278 / 746
Loans / Assets74.08%53.60%66.97%76.08%69th pctl234 / 746
Brokered Deposits / Depositsn/aNot reported for this institution