B
Saint Martin National Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Saint Martin National Bank
Saint Martin, MN
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Rating B
Asset Quality Index 9.30
Capitalization Index 10.00
Liquidity Index 4.80
Profitability Index 7.60
Stability Index 6.30
Company Info Saint Martin National Bank
Saint Martin, MN
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FDIC Number 18937
Phone Number (320) 548-3555
Website www.stmartinnationalbank.com
Asset Quality Saint Martin National Bank
Saint Martin, MN
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1-Year Asset Growth 1.36%
5-Year Asset Growth 3.86%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet Saint Martin National Bank
Saint Martin, MN
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Total Assets 28.93M
Total Deposits 24.72M
Capital and Reserves Saint Martin National Bank
Saint Martin, MN
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Capital 4.17M
Leverage Ratio 14.76
Loan Loss Reserves to Loans 1.47%
Risk-Based Capital Ratio --
Liquidity Saint Martin National Bank
Saint Martin, MN
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Hot Money Ratio 4.10%
Liquidity Ratio 61.26%
Profitability Saint Martin National Bank
Saint Martin, MN
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5-Year Return on Average Assets 1.15%
Net Income 468.00K
Net Interest Spread 3.41%
Operating Profit to Average Assets 2.15%
Overhead Efficiency Ratio 52.10%
Return on Assets 2.15%
Return on Equity 16.30%