Total Assets
$28M
Total balance-sheet footings
FDIC Cert #18937 · Saint Martin, Minnesota · Est. 1963
St. Martin National Bank - FDIC Bank Health Profile
Free, sourced directly from the FDIC BankFind Suite and quarterly Call Report, capital, profitability, and safety metrics, refreshed each quarter.
- $28M
- Total assets
- C
- Health grade · Fair
- 1.65%
- Return on assets
- 0.0%
- Tier 1 capital
The verdict
St. Martin National Bank earns a PlainBankData health grade of C (53/100), with 0.00% Tier 1 capital, profitable at 1.65% ROA, 63% efficiency ratio.
- #4,243
- largest of 4,313 FDIC banks by assets
- 2nd
- percentile by asset size, nationally
- 0.00%
- Tier 1 ratio - below the 10% well-capitalized line
- 81st
- percentile for profitability (ROA), nationally
Health grades are PlainBankData's interpretation of FDIC Call Report data — not official FDIC ratings. Every dollar on deposit remains FDIC-insured to $250,000 per depositor, per category, regardless of grade.
Balance sheet at a glance
Total Deposits
$24M
Customer-funded liabilities
Net Loans
$13M
Outstanding loan book
Net Income
$475K
Bottom-line earnings
Capital adequacy vs federal thresholds
Basel III capital ratios - St. Martin National Bank
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
0.00%
Equity Capital
Tangible book value as a capital buffer
$4M
Profitability metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1% · 81th pct nationally
1.65%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
12.19%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
63.34%
What the numbers say about St. Martin National Bank
St. Martin National Bank is an FDIC-insured institution (Certificate #18937) headquartered in Saint Martin, Minnesota, established in 1963. It holds $28M in total assets — 4,243rd of 4,313 FDIC-insured banks, $24M in customer deposits, and $13M in net loans. On safety, its Tier 1 capital ratio of 0.00% is below the 10% well-capitalized threshold, and its Texas Ratio of 0.00% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (53/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Not financial advice. Health grades are PlainBankData's interpretation of regulatory filings, not official FDIC ratings or predictions. Every dollar on deposit is FDIC-insured to $250,000 per depositor, per ownership category — regardless of grade.
Income & expense breakdown
$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 deposit insurance
St. Martin National Bank is FDIC-insured (Certificate #18937). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
Top banks in Minnesota by total assets
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.
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 | D | 0.61% |
Frequently asked questions
What is St. Martin National Bank's health grade?▼
St. Martin National Bank receives a health grade of C (53/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is St. Martin National Bank?▼
St. Martin National Bank holds $28M in total assets and $24M in deposits, ranking 4,243rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Saint Martin, Minnesota.
Is my money safe at St. Martin National Bank?▼
Yes. St. Martin National Bank is FDIC-insured (Certificate #18937). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is St. Martin National Bank's Tier 1 Capital Ratio?▼
St. Martin National Bank has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
What is the Texas Ratio for St. Martin National Bank?▼
St. Martin National Bank has a Texas Ratio of 0.00%. 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. Martin National Bank?▼
St. Martin National Bank has an Efficiency Ratio of 63.34%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read St. Martin National Bank's profile as a depositor or analyst.
- St. Martin National Bank's grade reflects capital, profitability, and asset quality — read the four pillars before drawing conclusions. How grades work
- Deposits are FDIC-insured to $250,000 per depositor, per category — confirm your coverage if balances are large. FDIC insurance explained
- Compare St. Martin National Bank 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.
Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC BankFind Suite, Call Report FFIEC 031/041). See our methodology for the full ETL pipeline, source vintage, and column lineage.
Disclaimer: Provided for informational purposes only; not professional advice. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.