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
Unfavorable gap of $1.6M · efficiency ratio beats 98% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |