C
Saint Clair State Bank (Incorporated)
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
10.72
Return On
Assets
1.65%
Total
Assets
131.20M
Capital
14.26M
Total
Deposits
115.92M
Net
Income
2.12M
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Weiss Ratings Saint Clair State Bank (Incorporated)
Saint Clair, MN 		Click to
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Rating C
Asset Quality Index 8.10
Capitalization Index 9.60
Liquidity Index 0.80
Profitability Index 7.20
Stability Index 4.30
Company Info Saint Clair State Bank (Incorporated)
Saint Clair, MN 		Click to
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FDIC Number 1903
Phone Number (507) 245-3636
Website www.stclairstatebank.com
Asset Quality Saint Clair State Bank (Incorporated)
Saint Clair, MN 		Click to
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1-Year Asset Growth 4.81%
5-Year Asset Growth 4.70%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.04%
Non-Performing Loans to Loans 0.01%
Balance Sheet Saint Clair State Bank (Incorporated)
Saint Clair, MN 		Click to
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Total Assets 131.20M
Total Deposits 115.92M
Capital and Reserves Saint Clair State Bank (Incorporated)
Saint Clair, MN 		Click to
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Capital 14.26M
Leverage Ratio 10.72
Loan Loss Reserves to Loans 1.25%
Risk-Based Capital Ratio --
Liquidity Saint Clair State Bank (Incorporated)
Saint Clair, MN 		Click to
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Hot Money Ratio 33.41%
Liquidity Ratio 27.20%
Profitability Saint Clair State Bank (Incorporated)
Saint Clair, MN 		Click to
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5-Year Return on Average Assets 1.35%
Net Income 2.12M
Net Interest Spread 3.43%
Operating Profit to Average Assets 1.85%
Overhead Efficiency Ratio 54.22%
Return on Assets 1.65%
Return on Equity 15.37%