B
Saint Martin National Bank
Rating Date
June 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 5.00
Profitability Index 6.10
Stability Index 7.20
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 8.63%
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 30.05M
Total Deposits 26.32M
Capital and Reserves Saint Martin National Bank
Saint Martin, MN
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Capital 3.69M
Leverage Ratio 14.04
Loan Loss Reserves to Loans 1.49%
Risk-Based Capital Ratio --
Liquidity Saint Martin National Bank
Saint Martin, MN
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Hot Money Ratio 3.54%
Liquidity Ratio 62.75%
Profitability Saint Martin National Bank
Saint Martin, MN
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5-Year Return on Average Assets 1.15%
Net Income 154.00K
Net Interest Spread 3.25%
Operating Profit to Average Assets 2.13%
Overhead Efficiency Ratio 53.19%
Return on Assets 2.13%
Return on Equity 17.08%