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Letter portraitLegal landscapeQuarterYTD

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 $2.1MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $24.8M28%Noninterest $9.8MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.47%0.64%0.46%0.69%0.65%+17 bps
Return on Equity6.00%7.97%5.71%8.17%7.65%+164 bps
Net Interest Margin4.44%4.45%4.60%4.56%4.61%+17 bps
Efficiency Ratio84.98%81.84%86.68%80.71%83.69%-129 bps
Non-Interest Burden3.68%3.53%3.90%3.57%3.76%+8 bps
Growth
Asset Growth (YoY)5.51%-0.76%-1.29%-1.81%0.29%-522 bps
Loan Growth (YoY)3.61%1.26%0.23%-2.02%-4.81%-842 bps
Deposit Growth (YoY)5.45%-1.27%-2.00%-2.43%-0.16%-561 bps
Asset Quality
Nonperforming Loans / Loans0.27%0.01%0.04%0.26%0.27%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.10%0.05%+5 bps
Allowance / Loans1.46%1.42%1.47%1.51%1.58%+12 bps
Allowance Coverage of NPLs5.4x120.7x40.7x5.9x5.9x+0.5x
Capital
Tier 1 Leverage Ratio8.39%8.39%8.58%8.65%8.68%+29 bps
Total Risk-Based Capital14.89%14.87%15.15%15.90%16.77%+188 bps
Equity / Assets8.02%8.58%8.40%8.53%8.42%+40 bps
Liquidity & Funding
Loans / Deposits70.20%77.77%73.90%72.06%66.93%-327 bps
Liquid Assets / Assets14.88%10.35%14.16%18.84%23.58%+871 bps
CRE / Total Capitaln/a97.80%103.75%100.41%n/an/a