Saint Martin National Bank
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Data as of · sourced from FFIEC call reports. How we update
Saint Martin National Bank is an FDIC-insured commercial bank headquartered in Saint Martin, MN, established in 1963 (FDIC certificate 18937), and it is supervised by the OCC. At Q2 2026 it reported total assets of $29.4M, up 2.8% from Q2 2025, the 219th largest of 221 banks headquartered in Minnesota. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.51% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 18937
- Headquarters
- Saint Martin, MN
- Established
- 1963
- Total assets, Q2 2026
- $29.4M
- Assets vs Q2 2025
- +2.8%
- Tier 1 leverage ratio, Q2 2026
- 15.51%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091914406
- Latest call report
- Q2 2026, FFIEC 051 · Saint Martin National Bank call report
- Asset rank in state
- 219th of 221 in Minnesota
Saint Martin National Bank runs leaner than most banks of its size. Based in Saint Martin, Minnesota, it had $29 million in assets at June 30, 2026, up 2.8% from a year earlier. It spends about 48 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 69 cents). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.4%).
Net income for the quarter rose 18% from a year earlier, to $180,000. Over the same year, loans grew 6.5% and deposits grew 1.8%.
As of June 30, 2026, Saint Martin National Bank reported a return on assets of 2.48%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Saint Martin National Bank ranks as the 219th largest of the 221 banks based in Minnesota, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.8% to $29.4M, loans rose 5.0% and deposits rose 2.5%. 1-4 family residential loans made up 58.6% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 12.7%. Its one office in the FDIC Summary of Deposits is in Saint Martin, MN. By the capital ratios in its Q2 2026 call report, Saint Martin National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 136 Maine St, Saint Martin, MN 56376
- County
- Stearns
- Metro Area
- St. Cloud, MN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 12, 1963
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 4
- Domestic deposits
- $25.0M
- Allowance for credit losses
- $197K
- Net charge-offs (YTD)
- $0
- Average total assets
- $29.1M
- Average total loans
- $13.3M
- Average interest-bearing deposits
- $18.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 12, 1963
- FDIC Cert
- 18937
- Fed RSSD
- 856159
- Website
- www.stmartinnationalbank.com →
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 Martin National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Saint Martin National Bank's total assets moved between a low of $27.6M (Q4 2024) and a high of $30.1M (Q1 2025) from Q3 2023 to 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
$29.4M total assets against $28.6M; $25.1M total liabilities against $24.6M.
$13.2M net loans and leases against $12.3M; $25.0M total deposits against $24.6M.
$12.5M securities against $12.6M; $3.4M cash and balances due against $3.4M.
$333K total interest income against $294K; $63K total interest expense against $56K.
$270K net interest income against $238K.
$77K total noninterest income against $74K; $168K total noninterest expense against $160K.
No provision recorded in the last 12 quarters.
$180K net income against $152K.
2.48% return on assets against 2.12%; 3.81% net interest margin against 3.39%.
15.51% tier 1 leverage ratio against 14.66%.
Inside the full Saint Martin National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSaint Martin National Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.09% (Q4 2025) to 2.48% (Q2 2026) and its net interest margin ran from 3.19% (Q3 2024) to 3.81% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.51% | 2.48% | 0.00% | 0.00% | 3.81% |
| Q1 2026 | 15.30% | 2.39% | 0.00% | 0.00% | 3.62% |
| Q4 2025 | 14.43% | 0.09% | 0.00% | 0.00% | 3.69% |
| Q3 2025 | 14.76% | 2.19% | 0.00% | 0.00% | 3.58% |
| Q2 2025 | 14.66% | 2.12% | 0.00% | 0.00% | 3.39% |
| Q1 2025 | 14.04% | 2.13% | 0.00% | 0.00% | 3.25% |
| Q4 2024 | 13.97% | 0.76% | 0.00% | 0.00% | 3.21% |
| Q3 2024 | 14.07% | 2.06% | 0.00% | 0.00% | 3.19% |
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. Martin National Bank | Saint Martin , MN | 56376 | $25.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 270 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $350K approved, $350K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (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 Martin National Bank
What are Saint Martin National Bank's total assets?
As of the Q2 2026 filing, Saint Martin National Bank reported total assets of $29.4 million in its FFIEC call report.
Where is Saint Martin National Bank headquartered?
It is headquartered in Saint Martin, MN, United States.
When was Saint Martin National Bank founded?
It was established in 1963, per the FDIC institution directory.
Is Saint Martin National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18937). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Saint Martin National Bank?
Saint Martin National Bank's primary federal regulator is the OCC.
How many branches does Saint Martin National Bank 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 Martin National Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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