Saint James, MN · Cert 14853 · First Natl Agency Saint James
National charter · OCC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | -0.13% | 0.63% | 0.32% | 0.98% | -0.08% | 0.69% | 0.60% | +29 bps | |
| Return on Equity | 14.01% | -1.65% | 8.05% | 4.00% | 11.78% | -0.91% | 8.17% | 7.14% | +314 bps | |
| Net Interest Margin | 4.34% | 4.40% | 4.38% | 4.45% | 4.60% | 4.69% | 4.56% | 4.69% | +24 bps | |
| Efficiency Ratio | 79.61% | 91.04% | 81.03% | 88.89% | 75.87% | 100.82% | 80.71% | 86.55% | -234 bps | |
| Non-Interest Burden | 3.29% | 3.94% | 3.43% | 3.89% | 3.33% | 4.74% | 3.57% | 3.98% | +9 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 / Loans | 0.05% | 0.44% | 0.00% | 0.27% | 0.01% | 0.04% | 0.26% | 0.27% | 0 bps | |
| Net Charge-Offs / Loans | 0.41% | 0.18% | 0.00% | 0.00% | 0.00% | 0.00% | 0.10% | 0.00% | 0 bps | |
| Allowance / Loans | 1.36% | 1.37% | 1.42% | 1.46% | 1.42% | 1.47% | 1.51% | 1.58% | +12 bps | |
| Allowance Coverage of NPLs | 26.3x | 3.1x | n/a | 5.4x | 120.7x | 40.7x | 5.9x | 5.9x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.49% | 8.17% | 8.23% | 8.39% | 8.39% | 8.58% | 8.65% | 8.68% | +29 bps | |
| Total Risk-Based Capital | 13.86% | 14.04% | 14.51% | 14.89% | 14.87% | 15.15% | 15.90% | 16.77% | +188 bps | |
| Equity / Assets | 8.08% | 7.75% | 7.93% | 8.02% | 8.58% | 8.40% | 8.53% | 8.42% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.83% | 72.27% | 71.76% | 70.20% | 77.77% | 73.90% | 72.06% | 66.93% | -327 bps | |
| Liquid Assets / Assets | 7.56% | 8.71% | 11.26% | 14.88% | 10.35% | 14.16% | 18.84% | 23.58% | +871 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 97.80% | 103.75% | 100.41% | n/a | n/a | |