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 | |