D
The First National Bank at Saint James
Rating Date
October 2025
Risk Based
Capital Ratio
14.89
Leverage
Ratio
8.39
Return On
Assets
0.48%
Total
Assets
37.77M
Capital
3.03M
Total
Deposits
34.68M
Net
Income
89.00K
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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 6.20
Capitalization Index 6.40
Liquidity Index 3.30
Profitability Index 3.60
Stability Index 3.30
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 5.51%
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 0.35%
Non-Performing Loans to Capital 3.79%
Non-Performing Loans to Loans 0.55%
Balance Sheet The First National Bank at Saint James
Saint James, MN 		Click to
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Total Assets 37.77M
Total Deposits 34.68M
Capital and Reserves The First National Bank at Saint James
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Capital 3.03M
Leverage Ratio 8.39
Loan Loss Reserves to Loans 1.46%
Risk-Based Capital Ratio 14.89
Liquidity The First National Bank at Saint James
Saint James, MN 		Click to
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Hot Money Ratio 12.29%
Liquidity Ratio 33.69%
Profitability The First National Bank at Saint James
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5-Year Return on Average Assets 0.31%
Net Income 89.00K
Net Interest Spread 5.11%
Operating Profit to Average Assets 0.69%
Overhead Efficiency Ratio 84.98%
Return on Assets 0.48%
Return on Equity 6.00%