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St. Clair State Bank (Incorporated)

$100M-$1B Specialty: Agricultural MN FDIC cert 1903

Saint Clair, MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits +6.2% year over year ($118.4M on the books).
  • Delinquency rate 0.03%.
  • Return on assets 2.18%.
  • Efficiency ratio 37.18% vs a 64.48% peer average.
  • Loan-to-deposit ratio 83.03% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (MN) →

St. Clair State Bank (Incorporated) has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 8.7% in tier
  • + Profitability Leader: Top 31.2% in tier
  • + Efficiency Ratio 27.30% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 5.8% in tier
  • - Credit Risk Growth: Bottom 17.6% in tier
  • - Net Interest Margin 0.35% below tier average
Get updates when St. Clair State Bank (Incorporated) releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $134.4M
+6.5% YoY +1.0% QoQ
-$252.2M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
Bottom 9.3% in tier
Total Loans ? $98.3M
+5.8% YoY +2.3% QoQ
-$160.1M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
18%
Total Deposits ? $118.4M
+6.2% YoY +0.8% QoQ
-$208.3M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
Bottom 11.3% in tier
Return on Assets ? 2.18%
+15.2% YoY +0.8% QoQ
+0.86% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
Top 9.2% in tier
Net Interest Margin ? 3.64%
+7.7% YoY +0.6% QoQ
-0.35% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
34%
Efficiency Ratio ? 37.18%
-7.7% YoY +2.4% QoQ
-27.30% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
Top 2.2% in tier
Delinquency Rate ? 0.03%
+345.6% YoY +258.3% QoQ
-0.88% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
82%
Loan-to-Deposit Ratio ? 83.03%
-0.4% YoY +1.5% QoQ
+5.07% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
43%
Non-Interest-Bearing Deposit Share ? 16.38%
+15.5% YoY +4.3% QoQ
-5.65% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
29%
Nonperforming Asset Ratio ? 0.02%
+342.8% YoY +263.1% QoQ
-0.64% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
83%
Tier 1 Capital Ratio ? 11.08%
+1.3% YoY +0.5% QoQ
-4.83% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
24%
Non-Interest Income / Assets ? 0.08%
-4.3% YoY +111.7% QoQ
-0.48% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
Bottom 13.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 16.4%
+2.2pp YoY
+0.7pp QoQ
 -5.8pp 22.1% 21.9% 22.2% 29%
Brokered Deposits n/a n/a 7.9% 8.3% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 11.1%
+0.9pp YoY
+0.6pp QoQ
 -0.5pp 11.6% 14.6% 12.5% 59%
CRE n/a n/a 39.5% 36.5% 41.4% n/a
1-4 Family 19.2%
+1.9pp YoY
+1.1pp QoQ
 -13.4pp 32.6% 29.4% 31.3% 28%
Consumer 5.8%
0.0pp YoY
+0.1pp QoQ
 +1.7pp 4.1% 4.5% 5.0% 81%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.5% 19.7% n/a
Leverage Ratio 11.1%
+0.1pp YoY
+0.1pp QoQ
 -1.1pp 12.2% 11.0% 12.6% 52%
Total Capital Ratio n/a n/a 19.9% 17.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 11
0 YoY
0 QoQ
 -48 58 55 482 1%
Assets per Employee ($) $12.2M
+6.5% YoY
+1.0% QoQ
 +$4.7M $7.5M $8.6M $8.8M 93%
Branch Count 1
0 YoY
0 QoQ
 -4 4 4 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
 -0.3pp 0.3% 0.4% 0.4% 29%
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 2%
Allowance Coverage 37.48x
-83.0% YoY
-72.7% QoQ
 +13.33x 24.15x 20.41x 20.23x 93%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.2% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 19.9%
+2.1pp YoY
0.0pp QoQ
 +7.7pp 12.2% 13.1% 11.6% 88%
Cost of Funds (YTD) 2.1%
-0.3pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.7% 1.7% 76%
Net Income ($, YTD) $1.4M
+21.5% YoY
— QoQ
 -$1.1M $2.6M $4.5M $40.4M 40%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Credit Quality Leader

growth
#58 of 659 • Top 8.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.03%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Profitability Leader

growth
#207 of 661 • Top 31.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.18%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk
#74 of 1256 • Bottom 5.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.03%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#166 of 936 • Bottom 17.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

60
Efficiency Ratio
profitability
Value: 37.18%
Peer Median: 64.48%
#60 of 2643 Top 2.2% in $100M-$1B
244
Return on Assets
profitability
Value: 2.18%
Peer Median: 1.32%
#244 of 2643 Top 9.2% in $100M-$1B
453
Nonperforming Asset Ratio
credit_quality
Value: 0.02%
Peer Median: 0.67%
#453 of 2643 Top 17.1% in $100M-$1B
483
Delinquency Rate
credit_quality
Value: 0.03%
Peer Median: 0.92%
#483 of 2633 Top 18.3% in $100M-$1B

Top Weaknesses (5 metrics)

2398
Total Assets
size
Value: $134.35M
Peer Median: $386.57M
#2398 of 2643 Bottom 9.3% in $100M-$1B
2346
Total Deposits
size
Value: $118.39M
Peer Median: $326.73M
#2346 of 2643 Bottom 11.3% in $100M-$1B
2287
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.57%
#2287 of 2643 Bottom 13.5% in $100M-$1B
2157
Total Loans
size
Value: $98.29M
Peer Median: $258.35M
#2157 of 2643 Bottom 18.4% in $100M-$1B
1999
Tier 1 Capital Ratio
capital
Value: 11.08%
Peer Median: 15.91%
#1999 of 2643 Bottom 24.4% in $100M-$1B
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