FDIC Cert #18937 · Saint Martin, Minnesota · Est. 1963

St. Martin National Bank - FDIC Bank Health Profile

A community-scale look at St. Martin National Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$28M
Total assets
A
Health grade · Excellent
1.65%
Return on assets
14.4%
Tier 1 capital

Data updated July 2026

The verdict

St. Martin National Bank earns a PlainBankData health grade of A (88/100), with well-capitalized at 14.43% Tier 1, profitable at 1.65% ROA, 63% efficiency ratio.

#4,243
largest of 4,313 FDIC banks by assets
2nd
percentile by asset size, nationally
14.43%
Tier 1 ratio - above the 10% well-capitalized line
81st
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 18937 · MN A · 88/100

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

  • GRADE-A A (88/100)
  • MID-PACK #1144/4307
  • PHOTO-FINISH Kress National Bank · TX
  • TIER1-WELL 14.4% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 1.65% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Minnesota: Kress National Bank, TX (±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. Martin National Bank

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

Morgan Stanley Bank,… · UT ·…100/100Firstar Bank · OK · near88/100Kress National Bank · TX · n…88/100Phelps County Bank · MO · ne…88/100St. Martin National… · MN · …88/100United Community Bank · LA ·…88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around St. Martin National Bank · July 2026

Call Report read for St. Martin National Bank in a high-failure state

St. Martin National Bank (FDIC Cert #18937) carries a PlainBankData health grade of A at 88/100, 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 #1,144 of 4,307. Tier 1 capital prints at 14.43%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.65%. Balance-sheet scale is $28M, 4,243rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Kress National Bank (TX), 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. Martin National Bank

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

St. Martin National Bank 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. Martin National Bank'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. Martin National Bank's 88/100 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 avg77/10088/100
St. Martin National Bank's composite health score
Tier 1 Capital Ratio (14.43%) 35/40
Return on Assets (ROA) (1.65%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (63.34%) 8/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$28M

Total balance-sheet footings

Total Deposits

$24M

Customer-funded liabilities

Net Loans

$13M

Outstanding loan book

Net Income

$475K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.03% 14.43% 15.83%
Basel III capital ratios - St. Martin National Bank

Where St. Martin National Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. St. Martin National Bank's score of 88/100 falls in the highlighted band.

St. Martin National Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 27% higher than 73% 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. Martin National Bank 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. Martin National Bank'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. Martin National Bank's $28M falls in the highlighted band.

Capital & credit buffers at St. Martin National Bank

Tier 1 capital ratio
Well-capitalized 10%

14.43% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.43%
Texas Ratio
0.00%
Equity Capital
$4M

What these ratios mean →

Earnings posture at St. Martin National Bank

Return on Assets (ROA)
81st percentile nationally
1.65%
Return on Equity (ROE)
12.19%
Efficiency Ratio
63.34%

What these mean →

Income & expense at St. Martin National Bank

$1M
Interest Income
$311K
Non-Interest Income
$826K
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. St. Martin National Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View St. Martin National Bank 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 ($28M here), outside Minnesota so the neighborhood is not state containment.

First National Bank in Tigerton $28M · WI Andes State Bank $28M · SD The Liberty Savings Association, FSA $28M · KS Bank of Vici $29M · OK

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) St. Martin National Bank (FDIC Cert #18937) - 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. Martin National Bank 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%