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
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.
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.
Capital
32
Asset Quality
90
Profitability
72
Liquidity
73
Efficiency
98
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.
Saint Clair, MN · Cert 1903 · Saint Clair Agency Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Mankato, MN · 2026 SOD (annual) · 3.4% share · #10 of 19 inst. · $0.1B of $3.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.69% | 1.32% | 1.58% | 1.61% | 1.67% | 1.46% | 1.82% | 1.83% | +23 bps | |
| Return on Equity | 15.16% | 11.98% | 14.94% | 15.04% | 15.60% | 13.56% | 16.73% | 16.68% | +164 bps | |
| Net Interest Margin | 3.37% | 3.28% | 3.25% | 3.31% | 3.30% | 3.25% | 3.52% | 3.49% | +18 bps | |
| Efficiency Ratio | 39.26% | 52.58% | 39.23% | 40.27% | 38.89% | 54.22% | 36.30% | 37.18% | -309 bps | |
| Non-Interest Burden | 1.21% | 1.63% | 1.17% | 1.23% | 1.18% | 1.68% | 1.18% | 1.20% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.77% | 7.14% | 9.33% | 10.16% | 12.45% | 4.81% | 5.14% | 6.47% | -369 bps | |
| Loan Growth (YoY) | 10.18% | 6.36% | 5.92% | 3.86% | 3.69% | 2.08% | 4.13% | 5.38% | +153 bps | |
| Deposit Growth (YoY) | 3.31% | 10.96% | 9.68% | 10.70% | 13.33% | 4.55% | 4.76% | 6.22% | -448 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | 0.01% | 0.03% | +3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.06% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.86% | 1.71% | 1.79% | 1.63% | 1.63% | 1.25% | 1.27% | 1.24% | -39 bps | |
| Allowance Coverage of NPLs | 339.8x | 414.0x | n/a | 219.9x | 219.9x | 206.5x | 137.4x | 37.5x | -182.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.50% | 10.93% | 10.81% | 10.94% | 11.00% | 10.72% | 11.02% | 11.08% | +14 bps | |
| Total Risk-Based Capital | 11.50% | 10.93% | 10.81% | 10.94% | 11.00% | 10.72% | 11.02% | 11.08% | +14 bps | |
| Equity / Assets | 11.43% | 10.58% | 10.62% | 10.84% | 10.78% | 10.87% | 10.95% | 11.13% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.96% | 87.41% | 83.37% | 84.74% | 81.40% | 85.35% | 82.88% | 84.07% | -67 bps | |
| Liquid Assets / Assets | 14.84% | 12.63% | 13.20% | 14.08% | 16.32% | 16.46% | 14.96% | 15.97% | +189 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 58.89% | 55.51% | 51.96% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.81% | 0.72% | 1.06% | 1.45% | Beats 88% | 86 / 746 | ||
| Return on Equity | 16.28% | 6.74% | 10.51% | 13.63% | Beats 88% | 87 / 746 | ||
| Net Interest Margin | 3.49% | 3.17% | 3.68% | 4.16% | Beats 39% | 457 / 746 | ||
| Efficiency Ratio | 37.18% | 55.74% | 64.58% | 75.47% | Beats 98% | 14 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.03% | 0.09% | 0.42% | 1.07% | Beats 80% | 152 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.08% | 11.55% | 13.75% | 17.60% | Beats 20% | 597 / 746 | ||
| Total Risk-Based Capital Ratio | 11.08% | 11.71% | 14.33% | 18.43% | Beats 18% | 608 / 746 | ||
| Equity / Assets | 11.13% | 8.90% | 10.51% | 13.06% | Beats 58% | 313 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.07% | 61.31% | 78.27% | 90.78% | 63rd pctl | 278 / 746 | ||
| Loans / Assets | 74.08% | 53.60% | 66.97% | 76.08% | 69th pctl | 234 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||