D
The First National Bank at Saint James
Rating Date
April 2025
Risk Based
Capital Ratio
14.04
Leverage
Ratio
8.17
Return On
Assets
0.49%
Total
Assets
37.29M
Capital
2.89M
Total
Deposits
34.33M
Net
Income
177.00K
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Weiss Ratings The First National Bank at Saint James
Saint James, MN 		Click to
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Rating D
Asset Quality Index 7.20
Capitalization Index 6.20
Liquidity Index 3.10
Profitability Index 3.40
Stability Index 3.40
Company Info The First National Bank at Saint James
Saint James, MN 		Click to
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FDIC Number 14853
Phone Number (507) 375-3376
Website www.fnbstjames.com
Asset Quality The First National Bank at Saint James
Saint James, MN 		Click to
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1-Year Asset Growth 1.57%
5-Year Asset Growth 4.88%
5-Year Charge-Offs to Average Loans 0.14%
Charge-Offs to Average Loans 0.15%
Non-Performing Assets to Assets 0.19%
Non-Performing Loans to Capital 4.29%
Non-Performing Loans to Loans 0.28%
Balance Sheet The First National Bank at Saint James
Saint James, MN 		Click to
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Total Assets 37.29M
Total Deposits 34.33M
Capital and Reserves The First National Bank at Saint James
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Capital 2.89M
Leverage Ratio 8.17
Loan Loss Reserves to Loans 1.37%
Risk-Based Capital Ratio 14.04
Liquidity The First National Bank at Saint James
Saint James, MN 		Click to
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Hot Money Ratio 12.73%
Liquidity Ratio 31.37%
Profitability The First National Bank at Saint James
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5-Year Return on Average Assets 0.28%
Net Income 177.00K
Net Interest Spread 4.68%
Operating Profit to Average Assets 0.68%
Overhead Efficiency Ratio 85.49%
Return on Assets 0.49%
Return on Equity 6.23%