Saint Clair State Bank (Incorporated)
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Data as of · sourced from FFIEC call reports. How we update
Saint Clair State Bank (Incorporated) is an FDIC-insured commercial bank headquartered in Saint Clair, MN, established in 1907 (FDIC certificate 1903), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $134.4M, up 6.5% from Q2 2025, the 146th largest of 221 banks headquartered in Minnesota. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.08% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1903
- Headquarters
- Saint Clair, MN
- Established
- 1907
- Total assets, Q2 2026
- $134.4M
- Assets vs Q2 2025
- +6.5%
- Tier 1 leverage ratio, Q2 2026
- 11.08%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091909437
- Latest call report
- Q2 2026, FFIEC 051 · Saint Clair State Bank (Incorporated) call report
- Holding company
- SAINT CLAIR AGENCY, INC.
- Asset rank in state
- 146th of 221 in Minnesota
Saint Clair State Bank (Incorporated) runs leaner than most banks of its size. Its balance sheet stood at $134 million at June 30, 2026, up 6.5% from a year earlier; it is based in Saint Clair, Minnesota. It spends about 38 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also holds commercial real estate loans equal to only 7% of its capital, a small fraction of the median of 1.2 times for banks its size.
Its $11 million commercial and industrial book is improving, with 0.31% past due or on nonaccrual, down from 3.08% a year earlier. Net income for the quarter rose 23% from a year earlier, to $734,000. Funding is the softer spot: it pays an average of 2.29% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Saint Clair State Bank (Incorporated) reported a return on assets of 2.17%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 0.20%. The figures come from its call report filed with the FFIEC.
Saint Clair State Bank (Incorporated) ranks as the 146th largest of the 221 banks based in Minnesota, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.0% to $134.4M, loans rose 2.3% and deposits rose 0.8%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 31.6% of total loans, followed by agricultural production loans at 24.7%. The FDIC Summary of Deposits lists a single office for it, in Saint Clair, MN. On its Q2 2026 call report, Saint Clair State Bank (Incorporated) meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 Main St W, Saint Clair, MN 56080
- County
- Blue Earth
- Metro Area
- Mankato, MN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 17, 1907
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $118.4M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $0
- Average total assets
- $135.0M
- Average total loans
- $99.1M
- Average interest-bearing deposits
- $100.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1903
- Fed RSSD
- 854753
- Parent Holding Company
- SAINT CLAIR AGENCY, INC. (RSSD 1128723)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Saint Clair State Bank (Incorporated) reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Saint Clair State Bank (Incorporated)'s total assets ranged from $112.7M (Q3 2023) to $134.4M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$134.4M total assets against $126.2M; $119.4M total liabilities against $112.5M.
$98.3M net loans and leases against $92.9M; $118.4M total deposits against $111.5M.
$2.5M securities against $4.0M; $31.6M cash and balances due against $27.4M.
$1.9M total interest income against $1.8M; $683K total interest expense against $738K.
$1.2M net interest income against $1.1M.
$58K total noninterest income against $54K; $475K total noninterest expense against $460K.
$0 provision for credit losses against $2K.
$734K net income against $597K.
2.17% return on assets against 1.91%; 3.56% net interest margin against 3.41%.
11.08% tier 1 leverage ratio against 10.94%.
Inside the full Saint Clair State Bank (Incorporated) terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSaint Clair State Bank (Incorporated) rankings
Its closest position to the top of a national ranking is 144 of 3,606, for efficiency ratio; its furthest is 3,152 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.15% (Q4 2024) to 2.17% (Q2 2026) and its net interest margin ran from 3.36% (Q1 2025) to 3.67% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.08% | 2.17% | 0.03% | 0.20% | 3.56% |
| Q1 2026 | 11.02% | 2.16% | 0.01% | 0.06% | 3.55% |
| Q4 2025 | 10.72% | 0.75% | 0.01% | 0.04% | 3.43% |
| Q3 2025 | 11.00% | 2.09% | 0.01% | 0.04% | 3.51% |
| Q2 2025 | 10.94% | 1.91% | 0.01% | 0.05% | 3.41% |
| Q1 2025 | 10.81% | 1.92% | 0.00% | 0.00% | 3.36% |
| Q4 2024 | 10.93% | 0.15% | 0.00% | 0.03% | 3.59% |
| Q3 2024 | 11.50% | 2.11% | 0.01% | 0.03% | 3.67% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| St. Clair State Bank (Incorporated) | Saint Clair , MN | 56080 | $118.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 176 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $190K approved, $190K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Saint Clair State Bank (Incorporated)
What are Saint Clair State Bank (Incorporated)'s total assets?
As of the Q2 2026 filing, Saint Clair State Bank (Incorporated) reported total assets of $134.4 million in its FFIEC call report.
Where is Saint Clair State Bank (Incorporated) headquartered?
It is headquartered in Saint Clair, MN, United States.
When was Saint Clair State Bank (Incorporated) founded?
It was established in 1907, per the FDIC institution directory.
Is Saint Clair State Bank (Incorporated) FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1903). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Saint Clair State Bank (Incorporated)?
Saint Clair State Bank (Incorporated)'s primary federal regulator is the FDIC.
How many branches does Saint Clair State Bank (Incorporated) operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Saint Clair State Bank (Incorporated)'s Texas Ratio?
Its Texas Ratio is 0.20% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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