🏦Bank Scorer

ST. CLAIR STATE BANK (INCORPORATED)

SAINT CLAIR, MN · Supervised by FDIC

Est. 1907FDIC #1,903RSSD: FDIC-1903
Part ofSAINT CLAIR AGENCY INC→ View all charters
Satisfactory Same

Current rating · Exam: November 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.16%

Institution Profile

FDIC BankFind

Address

100 Main St W, SAINT CLAIR, MN

County

Blue Earth County

Established

July 17, 1907

Total Assets

$133M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2023

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$133M

Total Deposits

$117M

Net Loans

$96M

Net Income

$715K

ROA

2.16%

ROE

19.84%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$111M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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