TellerScore

Headquartered in Saint Clair, Minnesota, St. Clair State Bank (Incorporated) is a state-chartered bank with $134.4M in total assets and $118.4M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1907.

St. Clair State Bank (Incorporated) has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 88% of its 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 23rd. Earnings contributes the most (100/100, 2.18%); capital cushion contributes the least (61/100, 11.08%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Tier 1 leverage ratio: 11.08%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.03%
Earnings100/100
Return on assets (annualized): 2.18%
Funding & liquidity77/100
Loans ÷ deposits and uninsured-deposit share: 83.0% · 15.0% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.20%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (83 → 85), mostly because the earnings component improved by 4 points.

TellerScore
798285Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202485
Q4 202479
Q1 202583
Q2 202583
Q3 202585
Q4 202581
Q1 202685
Q2 202685
Tier 1 leverage ratio
5.00%8.25%11.50%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.27%
Q3 202411.50%
Q4 202410.93%
Q1 202510.81%
Q2 202510.94%
Q3 202511.00%
Q4 202510.72%
Q1 202611.02%
Q2 202611.08%
Noncurrent loans
0.00%0.02%0.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.01%
Q3 20240.01%
Q4 20240.00%
Q1 20250.00%
Q2 20250.01%
Q3 20250.01%
Q4 20250.01%
Q1 20260.01%
Q2 20260.03%
Return on assets
1.44%1.81%2.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.79%
Q3 20241.90%
Q4 20241.44%
Q1 20251.89%
Q2 20251.89%
Q3 20251.96%
Q4 20251.65%
Q1 20262.16%
Q2 20262.18%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$134.4M11.08%0.03%2.18%83.0%
Q1 202685$133.1M11.02%0.01%2.16%81.8%
Q4 202581$131.2M10.72%0.01%1.65%84.3%
Q3 202585$131.5M11.00%0.01%1.96%80.1%
Q2 202583$126.2M10.94%0.01%1.89%83.4%
Q1 202583$126.5M10.81%0.00%1.89%81.9%
Q4 202479$125.2M10.93%0.00%1.44%85.9%
Q3 202485$117.0M11.50%0.01%1.90%87.3%
Q2 202483$114.6M11.27%0.01%1.79%88.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.08%
52nd
Total risk-based capital0.00%
24th
Problem loans0.03%
81st
Net charge-offs0.00%
68th
Return on assets2.18%
91st
Net interest margin3.64%
34th
Efficiency ratio37.2%
98th
Loans to deposits83.0%
43rd
Uninsured deposits15.0%
82nd
Loan-loss reserves1.24%
56th
Texas ratio0.2%
83rd

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of Moose LakeBank Moose Lake, MN94 out of 100, Very strong$133.7M16.0%0.10%vs
Worthington Federal Savings Bank, FSBBank Worthington, MN80 out of 100, Strong$135.4M14.8%0.65%vs
Western National BankBank Duluth, MN55 out of 100, Moderate$135.8M8.5%0.00%vs
The First National Bank of CokatoBank Cokato, MN68 out of 100, Moderate$138.2M8.5%0.25%vs
Security State Bank of WarroadBank Warroad, MN62 out of 100, Moderate$138.3M16.4%4.17%vs
Minnesota Lakes BankBank Delano, MN53 out of 100, Below average$129.8M10.7%3.18%vs

Deposit insurance

Is my money safe at St. Clair State Bank (Incorporated)?

Yes. St. Clair State Bank (Incorporated) is an FDIC-insured institution (FDIC certificate #1903). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 15.0% of deposits ($17.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.08%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

St. Clair State Bank (Incorporated) lists 1 office in 1 city. Most locations:

  • Saint Clair, MN (1)

All branch addresses and map

Identity & history

Profile

Legal name
St. Clair State Bank (Incorporated)
Type
State-chartered bank
FDIC certificate #
1903
RSSD ID
854753
Primary regulator
FDIC
Holding company
Saint Clair Agency Inc
Established
July 17, 1907
Headquarters
100 Main St W, Saint Clair, MN 56080
Employees
11

Quick answers

St. Clair State Bank (Incorporated): common questions

Is St. Clair State Bank (Incorporated) FDIC insured?

Yes. St. Clair State Bank (Incorporated) is an FDIC-insured institution (FDIC certificate #1903). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is St. Clair State Bank (Incorporated)'s TellerScore?

85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has St. Clair State Bank (Incorporated) ever failed?

There is no failure record for FDIC certificate #1903 in the FDIC failed bank list.

How many branches does St. Clair State Bank (Incorporated) have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Saint Clair

InstitutionScoreAssetsCapitalProblem loansCompare
Arcadian BankBank Hartland, MN85 out of 100, Very strong$242.1M12.0%0.10%vs
Janesville State BankBank Janesville, MN81 out of 100, Strong$98.8M11.4%0.00%vs
Elysian BankBank Elysian, MN79 out of 100, Strong$76.0M12.2%0.74%vs
Minnesota Valley Federal Credit UnionCredit union Mankato, MN77 out of 100, Strong$329.0M11.5%0.56%vs
Keen Bank, National AssociationBank Waseca, MN76 out of 100, Strong$201.1M8.4%0.06%vs
Cornerstone State BankBank Montgomery, MN74 out of 100, Strong$247.0M10.6%0.80%vs