St. Clair State Bank (Incorporated)
Saint Clair, MN
IDRSSD: 854753
Total Assets
$131.20M
Latest filing
Total Deposits
$115.92M
Latest filing
Net Interest Margin
3.54%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
St. Clair State Bank (Incorporated)
100 Main St W
Saint Clair, MN 56080
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/17/1907FDIC Certificate 1268
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| St. Clair State Bank (Incorporated) (Main) | 100 Main St W | Saint Clair, MN | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/17/1907 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 56080 |
| State and County Number | 27013 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Mankato, MN |
Operational Info
| Number of Employees | 11 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.stclairstatebank.com |
| Data Updated | 01/30/2026 |
| CERT | 1903 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $131.20M |
| Total Deposits | $115.92M |
| Total Liabilities | $116.94M |
| Total Equity Capital | $14.26M |
| Net Income | $248.00k |
| Net Loans and Leases | $97.69M |
| Assets Per Employee ($Millions) | $11.93M |
| Bank Premises and Fixed Assets | $243.00k |
| Cash and Balances due from Depository Institutions | $20.23M |
| Deposits Held in Domestic Offices | $115.92M |
Key Performance Ratios
| Return on Assets (ROA) | 0.76% |
| Return on Equity (ROE) | 6.98% |
| Net Interest Margin | 3.54% |
| Efficiency Ratio | 97.16% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.91% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.867% |
| Earning Assets to total Assets | 97.2% |
Income and Expense
| Total Interest Income | $1.87M |
| Total Noninterest Income | $68.00k |
| Total Interest Expense | $740.00k |
| Total Noninterest Expense | $1.16M |
| Net Interest Income | $1.13M |
| Pre-tax Net Operating Income | $334.00k |
| Provision for Credit Losses | $-300,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $8.33M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.02M |
| Total Liabilities and Capital | $131.20M |
Securities
| Securities | $3.25M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $3.35M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of St. Clair State Bank (Incorporated)?
$131.20M as of the latest filing.
How much are St. Clair State Bank (Incorporated)'s total deposits?
$115.92M in total deposits.
Where is St. Clair State Bank (Incorporated) located?
Saint Clair, MN.
What is the Net Interest Margin?
3.54%.
How many domestic offices does it operate?
1.
When was it established?
07/17/1907.
What is the Return on Assets (ROA)?
0.76%.
How much are total loans and leases?
$97.69M (latest filing).
What is the total interest income (latest filing)?
$1.87M.