Side-by-side · Q2 2026 data
St. Clair State Bank (Incorporated) vs FM Bank
Bank
St. Clair State Bank (Incorporated)
Saint Clair, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | St. Clair State Bank (Incorporated) | FM Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 66 |
| Capital cushion | 61 (stronger) | 27 |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 100 (stronger) | 77 |
| Funding & liquidity | 77 (stronger) | 49 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 88th | 31st |
| Total assets | $134.4M | $738.4M |
| Deposits / shares | $118.4M | $636.1M |
| Capital ratio | 11.08% (stronger) | 7.66% |
| Problem loans | 0.03% | 0.00% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 2.18% (stronger) | 1.42% |
| Loans ÷ deposits | 83.0% | 77.3% (stronger) |
| Uninsured deposits | 15.0% (stronger) | 45.4% |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Clair State Bank (Incorporated) has the higher TellerScore (85 vs 66). On the 7 directional measures above (where higher or lower is clearly better), St. Clair State Bank (Incorporated) leads on 4 and FM Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.