Saint Clair State Bank (Incorporated)
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.9 has resulted in Excellent (7.6) profitability.
Other Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) and a capital leverage ratio of 10.9. A current level of 0.1 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.1).
Asset Mix:
Cash (12%), home mtgs (10%), comm loans (7%), comm re (6%), consumer loans (4%), home eq lns (3%), securities (3%), other (55%)
States with Branches:
MN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Saint Clair Agency, Inc.
Investment Rating
--
Address
100 Main Street, West
Saint Clair, MN 56080
Saint Clair, MN 56080
Phone Number
(507) 245-3636
Year Founded
1907
FDIC Number
Website
Largest Affiliates
No affiliate information available.