Side-by-side · Q2 2026 data
St. Clair State Bank (Incorporated) vs Security State Bank of Warroad
Bank
St. Clair State Bank (Incorporated)
Saint Clair, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | St. Clair State Bank (Incorporated) | Security State Bank of Warroad |
|---|---|---|
| TellerScore | 85 (stronger) | 62 |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 99 (stronger) | 0 |
| Earnings | 100 (stronger) | 48 |
| Funding & liquidity | 77 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 70 |
| Peer percentile | 88th | 22nd |
| Total assets | $134.4M | $138.3M |
| Deposits / shares | $118.4M | $119.9M |
| Capital ratio | 11.08% | 16.41% (stronger) |
| Problem loans | 0.03% (stronger) | 4.17% |
| Net charge-offs | 0.00% (stronger) | 0.07% |
| Return on assets | 2.18% (stronger) | 0.69% |
| Loans ÷ deposits | 83.0% | 56.3% (stronger) |
| Uninsured deposits | 15.0% | 14.6% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Clair State Bank (Incorporated) has the higher TellerScore (85 vs 62). On the 7 directional measures above (where higher or lower is clearly better), St. Clair State Bank (Incorporated) leads on 4 and Security State Bank of Warroad on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.