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St. Clair State Bank (Incorporated)
Saint Clair, MN · FDIC Certificate #1903 · Chartered 07/1
Total assets
$134.35M
Total deposits
$118.39M
Total equity
$14.96M
Net loans
$98.29M
Branches (offices)
1
Net income (YTD)
$1.45M
Rank: #3,432 of 4,213 U.S. banks by assets · #146 of 221 in Minnesota. Assets changed 6.5% and deposits 6.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.18% |
| Return on equity | 19.85% |
| Net interest margin (YTD) | 3.64% |
| Equity to assets | 11.13% |
| Tier 1 leverage ratio | 11.08% |
| Uninsured deposits (share of deposits) | 15.0% |
| Noncurrent loans (share of loans) | 0.03% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 83.0% |
| Real estate loans (share of loans) | 59.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $58.36M | 59.4% | |
| Commercial & industrial | $10.89M | 11.1% | |
| Consumer / individual | $5.70M | 5.8% | |
| Construction & development | $1.15M | 1.2% | |
| Agricultural | $24.55M | 25.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $113.79M | $102.28M | $726.00K | $11.15M |
| Jun 2023 | $109.91M | $97.08M | $1.11M | $12.41M |
| Jun 2024 | $114.56M | $100.68M | $1.04M | $12.94M |
| Jun 2025 | $126.19M | $111.45M | $1.19M | $13.69M |
| Jun 2026 | $134.35M | $118.39M | $1.45M | $14.96M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $118.39M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $118.39M.
Similar-sized banks
Preferred Bank ($134.47M) · State Bank Of Missouri ($134.27M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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