Saint Martin National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q3 2026 was in Loan-to-deposit ratio: 5.75 percentage points higher than in Q2 2026, at 59.09%. Among 221 Minnesota banks, Saint Martin National Bank sits 7th from the top on return on assets, 2.65% as of Q3 2026. Saint Martin National Bank's return on assets of 2.65% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 1.66 points (Q3 2026); the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.89% |
| Equity capital to assets | 15.16% |
| Tangible equity to tangible assets | 15.16% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.39% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 2.65% |
| Return on equity | 18.29% |
| Net interest margin | 3.99% |
| Efficiency ratio | 47.73% |
| Yield on earning assets | 4.83% |
| Cost of funds | 0.99% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 59.09% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.67% |
| Securities to assets | 45.39% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q4 2023 | 12.63% | 0.79% | 2.46% | 0.00% | 0.00% |
| Q1 2024 | 13.37% | 1.15% | 2.60% | 0.00% | 0.00% |
| Q2 2024 | 13.63% | 1.66% | 2.86% | 0.00% | 0.00% |
| Q3 2024 | 14.07% | 2.06% | 3.19% | 0.00% | 0.00% |
| Q4 2024 | 13.97% | 0.76% | 3.21% | 0.00% | 0.00% |
| Q1 2025 | 14.04% | 2.13% | 3.25% | 0.00% | 0.00% |
| Q2 2025 | 14.66% | 2.12% | 3.39% | 0.00% | 0.00% |
| Q3 2025 | 14.76% | 2.19% | 3.58% | 0.00% | 0.00% |
| Q4 2025 | 14.43% | 0.09% | 3.69% | 0.00% | 0.00% |
| Q1 2026 | 15.30% | 2.39% | 3.62% | 0.00% | 0.00% |
| Q2 2026 | 15.51% | 2.48% | 3.81% | 0.00% | 0.00% |
| Q3 2026 | 15.89% | 2.65% | 3.99% | 0.00% | 0.00% |
Saint Martin National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Saint Martin National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Saint Martin National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18937) · FFIEC NIC profile (RSSD 856159)