BlastPoint's Banking Scorecard
St. Clair State Bank (Incorporated)
Saint Clair, MN
St. Clair State Bank (Incorporated) has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 20.3% in tier
- + Profitability Leader: Top 38.3% in tier
- + Efficiency Ratio 28.99% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1.6% in tier
- - Credit Risk Growth: Bottom 9.3% in tier
- - Net Interest Margin 0.31% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$133.1M
+5.1% YoY
+1.4% QoQ
|
-$253.0M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 9.1% in tier |
| Total Loans ? |
$96.1M
+4.7% YoY
-1.7% QoQ
|
-$159.7M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
18% |
| Total Deposits ? |
$117.4M
+4.8% YoY
+1.3% QoQ
|
-$210.6M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 11.3% in tier |
| Return on Assets ? |
2.16%
+14.3% YoY
+31.1% QoQ
|
+0.90% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
Top 9.3% in tier |
| Net Interest Margin ? |
3.62%
+9.6% YoY
+4.2% QoQ
|
-0.31% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
36% |
| Efficiency Ratio ? |
36.30%
-7.5% YoY
-33.1% QoQ
|
-28.99% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
Top 2.1% in tier |
| Delinquency Rate ? |
0.01%
+52.6% QoQ
|
-0.88% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
Top 13.8% in tier |
| Loan-to-Deposit Ratio ? |
81.82%
-0.1% YoY
-2.9% QoQ
|
+5.19% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
15.70%
+5.1% YoY
+7.2% QoQ
|
-6.32% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.01%
+47.9% QoQ
|
-0.63% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
Top 13.0% in tier |
| Tier 1 Capital Ratio ? |
11.02%
+2.0% YoY
+2.8% QoQ
|
-4.81% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
23% |
| Non-Interest Income / Assets ? |
0.04%
-8.5% YoY
-78.4% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 12.5% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.