D
The First National Bank at Saint James
Rating Date
August 2026
Risk Based
Capital Ratio
16.77
Leverage
Ratio
8.68
Return On
Assets
0.79%
Total
Assets
37.88M
Capital
3.19M
Total
Deposits
34.62M
Net
Income
146.00K
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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 7.10
Capitalization Index 6.70
Liquidity Index 3.50
Profitability Index 3.90
Stability Index 3.50
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 0.29%
5-Year Asset Growth 3.15%
5-Year Charge-Offs to Average Loans 0.17%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.45%
Non-Performing Loans to Capital 3.22%
Non-Performing Loans to Loans 0.73%
Balance Sheet The First National Bank at Saint James
Saint James, MN 		Click to
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Total Assets 37.88M
Total Deposits 34.62M
Capital and Reserves The First National Bank at Saint James
Saint James, MN 		Click to
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Capital 3.19M
Leverage Ratio 8.68
Loan Loss Reserves to Loans 1.58%
Risk-Based Capital Ratio 16.77
Liquidity The First National Bank at Saint James
Saint James, MN 		Click to
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Hot Money Ratio 13.39%
Liquidity Ratio 37.84%
Profitability The First National Bank at Saint James
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5-Year Return on Average Assets 0.35%
Net Income 146.00K
Net Interest Spread 5.60%
Operating Profit to Average Assets 0.82%
Overhead Efficiency Ratio 83.69%
Return on Assets 0.79%
Return on Equity 9.29%