Total Assets
$131M
Total balance-sheet footings
FDIC Cert #1903 · Saint Clair, Minnesota · Est. 1907
St. Clair State Bank (Incorporated) - FDIC Bank Health Profile
A community-scale look at St. Clair State Bank (Incorporated)'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $131M
- Total assets
- A
- Health grade · Excellent
- 1.65%
- Return on assets
- 10.7%
- Tier 1 capital
Data updated July 2026
The verdict
St. Clair State Bank (Incorporated) earns a PlainBankData health grade of A (85/100), with well-capitalized at 10.72% Tier 1, profitable at 1.65% ROA, efficient (54% cost ratio).
- #3,504
- largest of 4,313 FDIC banks by assets
- 19th
- percentile by asset size, nationally
- 10.72%
- Tier 1 ratio - above the 10% well-capitalized line
- 81st
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How St. Clair State Bank (Incorporated)'s 85/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
St. Clair State Bank (Incorporated)'s composite health score
Tier 1 Capital Ratio (10.72%) 28/40
Return on Assets (ROA) (1.65%) 25/25
Texas Ratio (0.04%) 20/20
Efficiency Ratio (54.22%) 12/15
85 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$116M
Customer-funded liabilities
Net Loans
$98M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where St. Clair State Bank (Incorporated) ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. St. Clair State Bank (Incorporated)'s score of 85/100 falls in the highlighted band.
St. Clair State Bank (Incorporated)'s size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). St. Clair State Bank (Incorporated)'s $131M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.72% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.72%
Texas Ratio
0.04%
Equity Capital
$14M
Profitability metrics
Return on Assets (ROA)
81st percentile nationally
1.65%
Return on Equity (ROE)
15.38%
Efficiency Ratio
54.22%
What the numbers say about St. Clair State Bank (Incorporated)
St. Clair State Bank (Incorporated) is an FDIC-insured institution (Certificate #1903) headquartered in Saint Clair, Minnesota, established in 1907. It holds $131M in total assets - 3,504th of 4,313 FDIC-insured banks, $116M in customer deposits, and $98M in net loans. On safety, its Tier 1 capital ratio of 10.72% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.04% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (85/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, St. Clair State Bank (Incorporated) ranks 146th of 227 banks based in Minnesota -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$7M
Interest Income
$233K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. St. Clair State Bank (Incorporated) reports a Texas Ratio of 0.04% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.04% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) St. Clair State Bank (Incorporated) (FDIC Cert #1903) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSBMinneapolis | $25.3B | A | 3.08% |
| Bridgewater BankSaint Louis Park | $5.4B | A | 0.99% |
| Frandsen Bank & TrustLonsdale | $3.7B | A | 1.48% |
| Stearns Bank National AssociationSaint Cloud | $3.3B | A | 1.85% |
| Minnwest BankRedwood Falls | $3.0B | B | 0.92% |
| Merchants Bank, National AssociationWinona | $2.9B | A | 1.23% |
| Tradition Capital BankWayzata | $2.6B | B | 0.71% |
| Think Mutual BankRochester | $2.2B | B | 0.61% |
Frequently asked questions
What is St. Clair State Bank (Incorporated)'s health grade?▼
St. Clair State Bank (Incorporated) receives a health grade of A (85/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is St. Clair State Bank (Incorporated)?▼
St. Clair State Bank (Incorporated) holds $131M in total assets and $116M in deposits, ranking 3,504th of 4,313 FDIC-insured banks by asset size. It is headquartered in Saint Clair, Minnesota.
Is my money safe at St. Clair State Bank (Incorporated)?▼
Yes, deposits at St. Clair State Bank (Incorporated) (Certificate #1903) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is St. Clair State Bank (Incorporated)'s Tier 1 Capital Ratio?▼
St. Clair State Bank (Incorporated) has a Tier 1 Capital Ratio of 10.72%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for St. Clair State Bank (Incorporated)?▼
St. Clair State Bank (Incorporated) has a Texas Ratio of 0.04%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is St. Clair State Bank (Incorporated)?▼
St. Clair State Bank (Incorporated) has an Efficiency Ratio of 54.22%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read St. Clair State Bank (Incorporated)'s profile as a depositor or analyst.
- St. Clair State Bank (Incorporated)'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare St. Clair State Bank (Incorporated) against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.