C
Saint Clair State Bank (Incorporated)
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
10.94
Return On
Assets
1.91%
Total
Assets
126.20M
Capital
13.69M
Total
Deposits
111.46M
Net
Income
1.19M
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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 9.90
Liquidity Index 0.80
Profitability Index 7.60
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 10.16%
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 0.05%
Non-Performing Loans to Loans 0.00%
Balance Sheet Saint Clair State Bank (Incorporated)
Saint Clair, MN 		Click to
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Total Assets 126.20M
Total Deposits 111.46M
Capital and Reserves Saint Clair State Bank (Incorporated)
Saint Clair, MN 		Click to
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Capital 13.69M
Leverage Ratio 10.94
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 34.92%
Liquidity Ratio 27.77%
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 1.19M
Net Interest Spread 3.39%
Operating Profit to Average Assets 2.06%
Overhead Efficiency Ratio 40.27%
Return on Assets 1.91%
Return on Equity 17.74%