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St. Clair State Bank Inc.

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St. Clair State Bank Inc. Rates & Review March 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, St. Clair State Bank Inc. provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 29, 2026

You can compare St. Clair State Bank Inc. rates to other rates in our database, including 12-month CD rates currently at 3.25%, 6-month CD rates at 3.90% and 3-month CD rates at 1.41%. Savings rates are at 0.05% and money market rates are at 0.15%. Mortgage rates on 30-year fixed loans are around 5.99%. All these rates can be compared to St. Clair State Bank Inc. rates. MonitorBankRates evaluates the financial stability of St. Clair State Bank Inc. with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.10%. Rates were last updated on 03/29/2026.

St. Clair State Bank Inc. money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at St. Clair State Bank Inc.? Share your experience about St. Clair State Bank Inc. by leaving a review below, or read customer reviews before you decide to use St. Clair State Bank Inc..

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.10%

Excellent Lower than avg

St. Clair State Bank Inc.

100 Main St W
Saint Clair, MN 56080

https://www.stclairstatebank.com

Current Rate Availability

We do not have St. Clair State Bank Inc. rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for St. Clair State Bank Inc. is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather St. Clair State Bank Inc. rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with St. Clair State Bank Inc.'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name St. Clair State Bank Inc.

Bank Holding Company SAINT CLAIR AGENCY INC

Address 100 Main St W, Saint Clair, MN 56080 · Blue Earth

Website https://www.stclairstatebank.com

FDIC Certificate # 1903

Established 07/17/1907

FDIC Insurance Date 01/01/1934

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.10%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.0766%

Return on Equity (ROE) 18.9100%

Non-Performing Loans (NPL) 0.01%

Total Assets $131,201,000

Total Deposits $115,921,000

Equity Capital $14,258,000

Net Income $2,116,000

Headquarters Saint Clair

Total Offices 1

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About St. Clair State Bank Inc.

Is St. Clair State Bank Inc. a safe place to deposit money?

Yes, St. Clair State Bank Inc. is considered a safe financial institution. With a Texas Ratio of 0.10140405616225%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does St. Clair State Bank Inc. operate?

St. Clair State Bank Inc. currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, St. Clair State Bank Inc. does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, St. Clair State Bank Inc. provides members with tools to manage their accounts and build a solid financial history.

Does St. Clair State Bank Inc. offer online and mobile banking?

Most modern institutions like St. Clair State Bank Inc. provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.stclairstatebank.com.