C
Saint Clair State Bank (Incorporated)
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
11.00
Return On
Assets
1.97%
Total
Assets
131.55M
Capital
14.19M
Total
Deposits
116.25M
Net
Income
1.87M
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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 8.20
Capitalization Index 10.00
Liquidity Index 1.10
Profitability Index 8.40
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 12.45%
5-Year Asset Growth 5.62%
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 131.55M
Total Deposits 116.25M
Capital and Reserves Saint Clair State Bank (Incorporated)
Saint Clair, MN 		Click to
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Capital 14.19M
Leverage Ratio 11.00
Loan Loss Reserves to Loans 1.63%
Risk-Based Capital Ratio --
Liquidity Saint Clair State Bank (Incorporated)
Saint Clair, MN 		Click to
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Hot Money Ratio 35.96%
Liquidity Ratio 30.84%
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 1.87M
Net Interest Spread 3.43%
Operating Profit to Average Assets 2.15%
Overhead Efficiency Ratio 38.89%
Return on Assets 1.97%
Return on Equity 18.30%