C
Saint Clair State Bank (Incorporated)
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
11.08
Return On
Assets
2.17%
Total
Assets
134.36M
Capital
14.96M
Total
Deposits
118.39M
Net
Income
1.45M
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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 1.00
Profitability Index 8.70
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 6.47%
5-Year Asset Growth 4.70%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.01%
Non-Performing Loans to Capital 0.20%
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 134.36M
Total Deposits 118.39M
Capital and Reserves Saint Clair State Bank (Incorporated)
Saint Clair, MN 		Click to
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Capital 14.96M
Leverage Ratio 11.08
Loan Loss Reserves to Loans 1.24%
Risk-Based Capital Ratio --
Liquidity Saint Clair State Bank (Incorporated)
Saint Clair, MN 		Click to
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Hot Money Ratio 34.38%
Liquidity Ratio 28.47%
Profitability Saint Clair State Bank (Incorporated)
Saint Clair, MN 		Click to
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5-Year Return on Average Assets 1.42%
Net Income 1.45M
Net Interest Spread 3.55%
Operating Profit to Average Assets 2.32%
Overhead Efficiency Ratio 37.18%
Return on Assets 2.17%
Return on Equity 19.86%