Saint Clair State Bank (Incorporated): Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Saint Clair State Bank (Incorporated) of Saint Clair, MN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.17% | 1.35% | +0.82% | 90th top |
| ROAE | 19.88% | 12.05% | +7.83% | 87th top |
| Net Interest Margin | 3.56% | 3.90% | -0.34% | 30th below |
| Efficiency Ratio | 37.97% | 63.16% | -25.19% | 97th top |
| PPNR / Avg Assets | 2.29% | 1.64% | +0.65% | 83rd top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.60% | 5.65% | -0.05% | 50th above |
| Cost of Funds | 2.29% | 1.85% | +0.44% | 22nd bottom |
| Net Interest Spread | 2.84% | 3.35% | -0.51% | 26th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.92% | -0.91% | 85th top |
| NPA / Total Assets | 0.01% | 0.67% | -0.66% | 85th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.24% | 1.28% | -0.04% | 55th above |
| ACL / NPLs (Coverage) | 15462.50% | 1639.26% | +13823.24% | — |
| Texas Ratio | 0.20% | 7.15% | -6.95% | 85th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.08% | 12.46% | -1.38% | 52nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.13% | 11.67% | -0.54% | 61st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 11.13% | 11.40% | -0.27% | 65th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.07% | 78.64% | +5.43% | 42nd below |
| Core Deposit Ratio | 84.64% | 87.09% | -2.45% | 29th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.47% | 6.47% | +0.00% | 65th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.38% | 7.64% | -2.26% | 50th above |
| Deposit Growth (Y/Y) | 6.22% | 6.02% | +0.20% | 66th above |
See Saint Clair State Bank (Incorporated)'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Saint Clair State Bank (Incorporated), freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Saint Clair State Bank (Incorporated) profile, how to read a UBPR, or how this data updates.