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
Unfavorable gap of $1.4M · efficiency ratio beats 7% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.63% | 0.87% | 1.20% | 1.41% | Beats 12% | 99 / 113 | |
| Return on Equity | 7.53% | 8.92% | 11.27% | 13.99% | Beats 18% | 93 / 113 | |
| Net Interest Margin | 4.61% | 3.42% | 3.88% | 4.31% | Beats 88% | 13 / 113 | |
| Efficiency Ratio | 83.69% | 54.13% | 61.48% | 69.86% | Beats 7% | 106 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.09% | 0.58% | 1.82% | Beats 64% | 41 / 111 | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.00% | 0.04% | Beats 29% | 80 / 111 | |
| Capital |
| Tier 1 Capital Ratio | 15.51% | 11.53% | 13.31% | 18.13% | Beats 63% | 42 / 113 | |
| Total Risk-Based Capital Ratio | 16.77% | 12.12% | 14.43% | 19.39% | Beats 65% | 40 / 113 | |
| Equity / Assets | 8.42% | 8.52% | 10.10% | 11.94% | Beats 23% | 87 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 66.93% | 62.08% | 77.32% | 88.06% | 30th pctl | 78 / 111 | |
| Loans / Assets | 61.17% | 55.01% | 66.35% | 75.50% | 37th pctl | 71 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |