ST. CLOUD FINANCIAL
CUSartell, MN
Total Assets
$456M
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Total Loans
$382M
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ST. CLOUD FINANCIAL in MN reported a Texas Ratio of 3.5% in Q2 2026, down -0.6pp from the prior quarter. Nonperforming assets declined to 0.31%, a decrease of -0.09pp quarter-over-quarter.
Portfolio composition
| Category | Balance | % of total | NPL % | Charge-off % |
|---|---|---|---|---|
| 1-4 family — 1st lien | $99M | 26.0% | — | — |
| 1-4 family — junior lien | $38M | 9.9% | — | — |
| Multifamily | $4M | 1.0% | — | — |
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| FOUNDATION Consumer Other Unsecured — Unlock to view | ||||
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20-quarter trend panels
See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.
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Peer cohort comparison
Benchmark against banks in the same size and geography cohort.
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Full portfolio composition
Every loan category, NPL ratio, and charge-off rate — beyond the top 3.