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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 1903 · MN A · 85/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (85/100)
  • MID-PACK #1389/4307
  • PHOTO-FINISH Community State Bank… · MO
  • TIER1-WELL 10.7% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 1.65% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Minnesota: Community State Bank of Missouri, MO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around St. Clair State Bank (Incorporated)

Lowest and highest poles plus nearest scored peers outside Minnesota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Community State Bank… · MO ·…85/100First Bank of Alabama · AL ·…85/100Lamar Bank and Trust… · MO ·…85/100Montezuma State Bank · IA · …85/100St. Clair State Bank… · MN ·…85/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around St. Clair State Bank (Incorporated) · July 2026

Call Report read for St. Clair State Bank (Incorporated) in a high-failure state

St. Clair State Bank (Incorporated) (FDIC Cert #1903) carries a PlainBankData health grade of A at 85/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,389 of 4,307. Tier 1 capital prints at 10.72%, clearing the 10% well-capitalized line. The Texas Ratio is 0.04%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.65%. Balance-sheet scale is $131M, 3,504th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Community State Bank of Missouri (MO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around St. Clair State Bank (Incorporated)

24 FAILURE resolutions in Minnesota since 2000, heavy vs the state corpus

St. Clair State Bank (Incorporated) sits in one of the heavier post-2000 FAILURE states (24 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about St. Clair State Bank (Incorporated)'s current Call Report.

  • NORTHERN STAR BANK MANKATO, MN 2014 → BANKVISTA
  • 1ST REGENTS BANK ANDOVER, MN 2013 → FIRST MINNESOTA BANK
  • FIRST COMMERCIAL BANK BLOOMINGTON, MN 2012 → REPUBLIC BANK & TRUST COMPANY

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Minnesota banks.

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.

0/100100/100National avg77/10085/100
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 Assets

$131M

Total balance-sheet footings

Total Deposits

$116M

Customer-funded liabilities

Net Loans

$98M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.32% 10.72% 12.12%
Basel III capital ratios - St. Clair State Bank (Incorporated)

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): health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

85 Top 32% higher than 68% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. St. Clair State Bank (Incorporated) 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at St. Clair State Bank (Incorporated)

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

What these ratios mean →

Earnings posture at St. Clair State Bank (Incorporated)

Return on Assets (ROA)
81st percentile nationally
1.65%
Return on Equity (ROE)
15.38%
Efficiency Ratio
54.22%

What these mean →

Income & expense at St. Clair State Bank (Incorporated)

$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.

FDIC Failed Bank List → View St. Clair State Bank (Incorporated) on FDIC BankFind →

Top banks in Minnesota by total assets

Largest banks headquartered in Minnesota
  1. 1
    Ameriprise Bank, FSB $25.3B

    Minneapolis, MN · Grade A

  2. 2
    Bridgewater Bank $5.4B

    Saint Louis Park, MN · Grade A

  3. 3
    Frandsen Bank & Trust $3.7B

    Lonsdale, MN · Grade A

  4. 4
    Stearns Bank $3.3B

    Saint Cloud, MN · Grade A

  5. 5
    Minnwest Bank $3.0B

    Redwood Falls, MN · Grade B

Top 5 banks in Minnesota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($131M here), outside Minnesota so the neighborhood is not state containment.

The Farmers and Merchants National Ba… $131M · OK Fidelity Federal Savings and Loan Ass… $131M · OH The Bendena State Bank $131M · KS Spencer County Bank $131M · IN

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.

St. Clair State Bank (Incorporated) Call Report profile · FDIC Failed Bank List · Minnesota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Minnesota

All Minnesota banks →
BankAssetsGradeROA
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%