D
The First National Bank at Saint James
Rating Date
March 2026
Risk Based
Capital Ratio
15.15
Leverage
Ratio
8.58
Return On
Assets
0.47%
Total
Assets
36.81M
Capital
3.09M
Total
Deposits
33.64M
Net
Income
172.00K
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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 6.90
Capitalization Index 6.60
Liquidity Index 3.00
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 -1.29%
5-Year Asset Growth 3.15%
5-Year Charge-Offs to Average Loans 0.17%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.30%
Non-Performing Loans to Capital 1.82%
Non-Performing Loans to Loans 0.45%
Balance Sheet The First National Bank at Saint James
Saint James, MN 		Click to
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Total Assets 36.81M
Total Deposits 33.64M
Capital and Reserves The First National Bank at Saint James
Saint James, MN 		Click to
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Capital 3.09M
Leverage Ratio 8.58
Loan Loss Reserves to Loans 1.47%
Risk-Based Capital Ratio 15.15
Liquidity The First National Bank at Saint James
Saint James, MN 		Click to
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Hot Money Ratio 14.13%
Liquidity Ratio 30.42%
Profitability The First National Bank at Saint James
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5-Year Return on Average Assets 0.31%
Net Income 172.00K
Net Interest Spread 5.24%
Operating Profit to Average Assets 0.64%
Overhead Efficiency Ratio 86.68%
Return on Assets 0.47%
Return on Equity 5.70%