ST. CLOUD FINANCIAL
CUSartell, MN
Total Assets
$440M
—
Total Loans
$347M
—
ST. CLOUD FINANCIAL in MN reported a Texas Ratio of 4.3% in Q1 2026, up +0.4pp from the prior quarter. Nonperforming assets increased to 0.41%, a rise of +0.04pp.
Portfolio composition
| Category | Balance | % of total | NPL % | Charge-off % |
|---|---|---|---|---|
| 1-4 family — 1st lien | $94M | 27.1% | — | — |
| 1-4 family — junior lien | $35M | 10.2% | — | — |
| Multifamily | $4M | 1.0% | — | — |
| FOUNDATION Consumer Auto New — Unlock to view | ||||
| FOUNDATION Consumer Auto Used — Unlock to view | ||||
| FOUNDATION Consumer Credit Card — Unlock to view | ||||
| FOUNDATION Consumer Other Unsecured — Unlock to view | ||||
FOUNDATION
20-quarter trend panels
See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.
FOUNDATION
Peer cohort comparison
Benchmark against banks in the same size and geography cohort.
FOUNDATION
Full portfolio composition
Every loan category, NPL ratio, and charge-off rate — beyond the top 3.
ST. CLOUD FINANCIAL currently appears on: Auto Concentration