Headquartered in Saint Martin, Minnesota, St. Martin National Bank is a national bank with $29.4M in total assets and $25.0M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1963.
Based on its Q2 2026 filing, St. Martin National Bank scores 100/100, which we describe as very strong. That is higher than 100% of 546 banks with under $100 million in assets. Among 223 banks headquartered in Minnesota, it ranks 1st. Its five components are fairly even, ranging from 100 to 100 out of 100.
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (99 → 100).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 91 |
| Q3 2024 | 94 |
| Q4 2024 | 92 |
| Q1 2025 | 97 |
| Q2 2025 | 99 |
| Q3 2025 | 99 |
| Q4 2025 | 95 |
| Q1 2026 | 100 |
| Q2 2026 | 100 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.63% |
| Q3 2024 | 14.07% |
| Q4 2024 | 13.97% |
| Q1 2025 | 14.04% |
| Q2 2025 | 14.66% |
| Q3 2025 | 14.76% |
| Q4 2025 | 14.43% |
| Q1 2026 | 15.30% |
| Q2 2026 | 15.51% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.40% |
| Q3 2024 | 1.63% |
| Q4 2024 | 1.43% |
| Q1 2025 | 2.14% |
| Q2 2025 | 2.13% |
| Q3 2025 | 2.17% |
| Q4 2025 | 1.65% |
| Q1 2026 | 2.37% |
| Q2 2026 | 2.42% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 100 | $29.4M | 15.51% | 0.00% | 2.42% | 52.6% |
| Q1 2026 | 100 | $28.6M | 15.30% | 0.00% | 2.37% | 51.3% |
| Q4 2025 | 95 | $28.4M | 14.43% | 0.00% | 1.65% | 52.3% |
| Q3 2025 | 99 | $28.9M | 14.76% | 0.00% | 2.17% | 53.5% |
| Q2 2025 | 99 | $28.6M | 14.66% | 0.00% | 2.13% | 50.2% |
| Q1 2025 | 97 | $30.1M | 14.04% | 0.00% | 2.14% | 49.3% |
| Q4 2024 | 92 | $27.6M | 13.97% | 0.00% | 1.43% | 53.4% |
| Q3 2024 | 94 | $28.5M | 14.07% | 0.00% | 1.63% | 51.7% |
| Q2 2024 | 91 | $29.1M | 13.63% | 0.00% | 1.40% | 48.3% |
546 peers · Under $100 million in assets
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).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Minnesota First Credit and Savings, IncorporatedBank Rochester, MN | 76 out of 100, Strong | $29.9M | 14.2% | 0.12% | vs |
| State Bank of EastonBank Easton, MN | 74 out of 100, Strong | $28.4M | 13.8% | 1.60% | vs |
| Lake Country Community BankBank Morristown, MN | 74 out of 100, Strong | $31.5M | 11.9% | 0.00% | vs |
| The First National Bank of ProctorBank Proctor, MN | 69 out of 100, Moderate | $34.0M | 8.5% | 0.00% | vs |
| First State Bank of SwanvilleBank Swanville, MN | 68 out of 100, Moderate | $23.8M | 18.1% | 2.16% | vs |
| The First National Bank of FairfaxBank Fairfax, MN | 67 out of 100, Moderate | $35.6M | 38.5% | 8.68% | vs |
Deposit insurance
Is my money safe at St. Martin National Bank?
Yes. St. Martin National Bank is an FDIC-insured institution (FDIC certificate #18937). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 0.0% of deposits ($0) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.51%, 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%).
1 location
Branches
St. Martin National Bank lists 1 office in 1 city. Most locations:
- Saint Martin, MN (1)
Identity & history
Profile
- Legal name
- St. Martin National Bank
- Type
- National bank
- FDIC certificate #
- 18937
- RSSD ID
- 856159
- Primary regulator
- OCC
- Established
- November 12, 1963
- Headquarters
- 136 Maine St, Saint Martin, MN 56376
- Website
- www.stmartinnationalbank.com
- Employees
- 4
Quick answers
St. Martin National Bank: common questions
Is St. Martin National Bank FDIC insured?
Yes. St. Martin National Bank is an FDIC-insured institution (FDIC certificate #18937). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is St. Martin National Bank's TellerScore?
100 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. Martin National Bank ever failed?
There is no failure record for FDIC certificate #18937 in the FDIC failed bank list.
How many branches does St. Martin National Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Saint Martin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lake Region BankBank New London, MN | 84 out of 100, Strong | $153.0M | 10.4% | 0.09% | vs |
| American Heritage National BankBank Long Prairie, MN | 80 out of 100, Strong | $604.7M | 11.9% | 0.00% | vs |
| Pine Country BankBank Little Falls, MN | 78 out of 100, Strong | $380.3M | 10.2% | 0.06% | vs |
| Freeport State BankBank Freeport, MN | 77 out of 100, Strong | $165.5M | 10.7% | 0.00% | vs |
| Citizens Bank MinnesotaBank New Ulm, MN | 70 out of 100, Strong | $596.0M | 9.3% | 0.02% | vs |
| Sentry BankBank Saint Joseph, MN | 70 out of 100, Strong | $415.5M | 8.7% | 0.00% | vs |