PackageTrendsPeer
Letter portraitLegal landscape

First National Bank at Saint James, The

Saint James, MN · Cert 14853 · First Natl Agency Saint James

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in MN3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in MN (n=111 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

50

Q2 2024Q2 2026peer median (50)

Asset Quality

47

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

65

Q2 2024Q2 2026peer median

Efficiency

7

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank at Saint James, The

Saint James, MN · Cert 14853 · First Natl Agency Saint James

National charter · OCC · 1 branch

Q2 2026

$37.9MAssets
$23.2MLoans
$34.6MDeposits
$3.2MEquity
Loan mix
85%RE $17.4M5%C&I $1.0M10%Consumer $2.1MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $24.8M28%Noninterest $9.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.65%, up 17 bps year over year; NIM at 4.61%.
  • Asset quality: problem loans at 0.27% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 8.68%, up 29 bps from a year ago.
  • Funding: loans stand at 66.93% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.65%+17 bps YoY

Net Interest Margin (YTD, annualized)

4.61%+17 bps YoY

Efficiency Ratio (YTD, annualized)

83.69%-129 bps YoY

Tier 1 Leverage Ratio

8.68%+29 bps YoY

NIM

5.35%Q2 ’245.68%Q2 ’255.72%Q2 ’26+6%+4%

Non-interest income vs. expense

4.21%Q2 ’244.30%Q2 ’254.37%Q2 ’26+6%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.69%0.48%0.63%0.47%0.64%0.46%0.69%0.65%+17 bps
Return on Equity8.93%6.25%8.05%6.00%7.97%5.71%8.17%7.65%+164 bps
Net Interest Margin4.27%4.21%4.38%4.44%4.45%4.60%4.56%4.61%+17 bps
Efficiency Ratio83.57%85.49%81.03%84.98%81.84%86.68%80.71%83.69%-129 bps
Non-Interest Burden3.44%3.49%3.43%3.68%3.53%3.90%3.57%3.76%+8 bps
Growth
Asset Growth (YoY)-1.88%1.57%0.98%5.51%-0.76%-1.29%-1.81%0.29%-522 bps
Loan Growth (YoY)6.75%2.02%6.14%3.61%1.26%0.23%-2.02%-4.81%-842 bps
Deposit Growth (YoY)-1.15%4.19%0.44%5.45%-1.27%-2.00%-2.43%-0.16%-561 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.44%0.00%0.27%0.01%0.04%0.26%0.27%0 bps
Net Charge-Offs / Loans0.14%0.15%0.00%0.00%0.00%0.00%0.10%0.05%+5 bps
Allowance / Loans1.36%1.37%1.42%1.46%1.42%1.47%1.51%1.58%+12 bps
Allowance Coverage of NPLs26.3x3.1xn/a5.4x120.7x40.7x5.9x5.9x+0.5x
Capital
Tier 1 Leverage Ratio8.49%8.17%8.23%8.39%8.39%8.58%8.65%8.68%+29 bps
Total Risk-Based Capital13.86%14.04%14.51%14.89%14.87%15.15%15.90%16.77%+188 bps
Equity / Assets8.08%7.75%7.93%8.02%8.58%8.40%8.53%8.42%+40 bps
Liquidity & Funding
Loans / Deposits75.83%72.27%71.76%70.20%77.77%73.90%72.06%66.93%-327 bps
Liquid Assets / Assets7.56%8.71%11.26%14.88%10.35%14.16%18.84%23.58%+871 bps
CRE / Total Capitaln/an/an/an/a97.80%103.75%100.41%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First National Bank at Saint James, The

Saint James, MN · Cert 14853 · Peer group: banks under $1B in assets in MN (n=111-113) · First Natl Agency Saint James

National charter · OCC · 1 branch

Q2 2026

$37.9MAssets
$23.2MLoans
$34.6MDeposits
$3.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 88% of banks under $1B in assets in MN (rank 13 of 113).
  • Widest gap: efficiency ratio trails 93% of banks under $1B in assets in MN (rank 106 of 113).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.63%

Rank 99 of 113

Net Interest Margin

4.61%

Rank 13 of 113

Efficiency Ratio

83.69%

Rank 106 of 113

Equity / Assets

8.42%

Rank 87 of 113

Non-interest income vs. expense

$0.2M$1.6MINCOMEEXPENSE
Unfavorable gap of $1.4M · efficiency ratio beats 7% of banks under $1B in assets in MN
Bank 83.69%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.63%0.87%1.20%1.41%Beats 12%99 / 113
Return on Equity7.53%8.92%11.27%13.99%Beats 18%93 / 113
Net Interest Margin4.61%3.42%3.88%4.31%Beats 88%13 / 113
Efficiency Ratio83.69%54.13%61.48%69.86%Beats 7%106 / 113
Asset Quality
Nonperforming Loans / Loans0.27%0.09%0.58%1.82%Beats 64%41 / 111
Net Charge-Offs / Loans0.03%n/a0.00%0.04%Beats 29%80 / 111
Capital
Tier 1 Capital Ratio15.51%11.53%13.31%18.13%Beats 63%42 / 113
Total Risk-Based Capital Ratio16.77%12.12%14.43%19.39%Beats 65%40 / 113
Equity / Assets8.42%8.52%10.10%11.94%Beats 23%87 / 113
Liquidity & Funding
Loans / Deposits66.93%62.08%77.32%88.06%30th pctl78 / 111
Loans / Assets61.17%55.01%66.35%75.50%37th pctl71 / 113
Brokered Deposits / Depositsn/aNot reported for this institution