SAINT CLAIR STATE BANK (INCORPORATED)

SAINT CLAIR, MN | Small | Est. July 17, 1907, midnight | FDIC #1903 | RSSD #854753 | FDIC
Latest Report: 2025-12-31

SAINT CLAIR STATE BANK (INCORPORATED) is asn small FDIC-insured commercial bank headquartered in SAINT CLAIR, MN, established in July 17, 1907, midnight. As of 2025-12-31, the bank reported total assets of $131M and total deposits of $116M. Profitability stands at 0.76% ROA and 6.98% ROE, with a net interest margin of 3.74%. The bank's CET1 capital ratio is 10.87%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.04%. FDIC Certificate #1903.

Assets

$131M

Deposits

$116M

Loans

$99M

Equity

$14M

Profitability

Return on Assets (ROA) 0.76%
Return on Equity (ROE) 6.98%
Net Interest Margin (NIM) 3.74%
Yield on Assets 6.19%
Cost of Funds 2.55%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.04%
NPA Ratio 0.00%
ACL / Loans 1.25%

Capital & Liquidity

CET1 Ratio 10.87%
Tier 1 Capital 10.87%
Total Capital Ratio 11.41%
Leverage Ratio 10.72%
Loan-to-Deposit 85.35%

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