D
The First National Bank at Saint James
Rating Date
October 2025
Risk Based
Capital Ratio
14.87
Leverage
Ratio
8.39
Return On
Assets
0.64%
Total
Assets
35.94M
Capital
3.09M
Total
Deposits
32.79M
Net
Income
179.00K
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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 7.30
Capitalization Index 6.40
Liquidity Index 2.70
Profitability Index 3.70
Stability Index 3.60
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 -0.76%
5-Year Asset Growth 4.88%
5-Year Charge-Offs to Average Loans 0.17%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.31%
Non-Performing Loans to Capital 0.09%
Non-Performing Loans to Loans 0.44%
Balance Sheet The First National Bank at Saint James
Saint James, MN 		Click to
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Total Assets 35.94M
Total Deposits 32.79M
Capital and Reserves The First National Bank at Saint James
Saint James, MN 		Click to
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Capital 3.09M
Leverage Ratio 8.39
Loan Loss Reserves to Loans 1.42%
Risk-Based Capital Ratio 14.87
Liquidity The First National Bank at Saint James
Saint James, MN 		Click to
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Hot Money Ratio 14.26%
Liquidity Ratio 26.41%
Profitability The First National Bank at Saint James
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5-Year Return on Average Assets 0.31%
Net Income 179.00K
Net Interest Spread 5.19%
Operating Profit to Average Assets 0.85%
Overhead Efficiency Ratio 81.84%
Return on Assets 0.64%
Return on Equity 7.96%