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St. Martin National Bank
Saint Martin, MN · FDIC Certificate #18937 · Chartered 11/1
Total assets
$29.38M
Total deposits
$25.04M
Total equity
$4.29M
Net loans
$13.16M
Branches (offices)
1
Net income (YTD)
$349.00K
Rank: #4,149 of 4,213 U.S. banks by assets · #219 of 221 in Minnesota. Assets changed 2.8% and deposits 1.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.42% |
| Return on equity | 16.69% |
| Net interest margin (YTD) | 3.76% |
| Equity to assets | 14.60% |
| Tier 1 leverage ratio | 15.51% |
| Uninsured deposits (share of deposits) | 0.0% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 52.6% |
| Real estate loans (share of loans) | 73.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $9.64M | 73.3% | |
| Commercial & industrial | $1.57M | 11.9% | |
| Consumer / individual | $697.00K | 5.3% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $1.45M | 11.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $32.53M | $29.94M | $130.00K | $2.58M |
| Jun 2023 | $31.08M | $26.43M | $131.00K | $2.63M |
| Jun 2024 | $29.09M | $25.84M | $201.00K | $3.21M |
| Jun 2025 | $28.59M | $24.59M | $306.00K | $3.95M |
| Jun 2026 | $29.38M | $25.04M | $349.00K | $4.29M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $25.04M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $25.04M.
Similar-sized banks
Minnesota First Credit And Savings, Incorporated ($29.89M) · First National Bank In Tigerton ($29.26M)
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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