B
Saint Martin National Bank
Rating Date
March 2026
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 4.90
Profitability Index 6.30
Stability Index 7.50
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 2.89%
5-Year Asset Growth 0.27%
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 28.45M
Total Deposits 24.26M
Capital and Reserves Saint Martin National Bank
Saint Martin, MN
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Capital 4.15M
Leverage Ratio 14.43
Loan Loss Reserves to Loans 1.53%
Risk-Based Capital Ratio --
Liquidity Saint Martin National Bank
Saint Martin, MN
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Hot Money Ratio 3.79%
Liquidity Ratio 61.79%
Profitability Saint Martin National Bank
Saint Martin, MN
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5-Year Return on Average Assets 1.15%
Net Income 475.00K
Net Interest Spread 3.48%
Operating Profit to Average Assets 1.63%
Overhead Efficiency Ratio 63.34%
Return on Assets 1.63%
Return on Equity 12.15%