Side-by-side · Q2 2026 data
St. Clair State Bank (Incorporated) vs First National Bank Minnesota
Bank
St. Clair State Bank (Incorporated)
Saint Clair, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | St. Clair State Bank (Incorporated) | First National Bank Minnesota |
|---|---|---|
| TellerScore | 85 (stronger) | 64 |
| Capital cushion | 61 (stronger) | 48 |
| Loan quality | 99 (stronger) | 63 |
| Earnings | 100 (stronger) | 74 |
| Funding & liquidity | 77 (stronger) | 72 |
| Problem-loan coverage | 100 (stronger) | 85 |
| Peer percentile | 88th | 26th |
| Total assets | $134.4M | $437.8M |
| Deposits / shares | $118.4M | $373.1M |
| Capital ratio | 11.08% (stronger) | 9.81% |
| Problem loans | 0.03% (stronger) | 1.12% |
| Net charge-offs | 0.00% (stronger) | 0.19% |
| Return on assets | 2.18% (stronger) | 1.35% |
| Loans ÷ deposits | 83.0% (stronger) | 87.0% |
| Uninsured deposits | 15.0% (stronger) | 16.5% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.9% |
St. Clair State Bank (Incorporated) has the higher TellerScore (85 vs 64). On the 7 directional measures above (where higher or lower is clearly better), St. Clair State Bank (Incorporated) leads on 7 and First National Bank Minnesota on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.