The First National Bank at St. James is a national bank headquartered in Saint James, Minnesota, in business for about 92 years. At the end of Q2 2026 it reported $37.9M in total assets and $34.6M in deposits, with 1 office.
The First National Bank at St. James has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 33% of its 546 banks with under $100 million in assets. Among 223 banks headquartered in Minnesota, it ranks 129th. Problem-loan coverage contributes the most (97/100, 1.7%); capital cushion contributes the least (37/100, 8.68%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (64 → 68), mostly because the earnings component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 67 |
| Q4 2024 | 61 |
| Q1 2025 | 67 |
| Q2 2025 | 64 |
| Q3 2025 | 67 |
| Q4 2025 | 66 |
| Q1 2026 | 67 |
| Q2 2026 | 68 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.32% |
| Q3 2024 | 8.49% |
| Q4 2024 | 8.17% |
| Q1 2025 | 8.23% |
| Q2 2025 | 8.39% |
| Q3 2025 | 8.39% |
| Q4 2025 | 8.58% |
| Q1 2026 | 8.65% |
| Q2 2026 | 8.68% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.10% |
| Q3 2024 | 0.05% |
| Q4 2024 | 0.44% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.27% |
| Q3 2025 | 0.01% |
| Q4 2025 | 0.04% |
| Q1 2026 | 0.26% |
| Q2 2026 | 0.27% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.48% |
| Q3 2024 | 0.69% |
| Q4 2024 | 0.48% |
| Q1 2025 | 0.63% |
| Q2 2025 | 0.47% |
| Q3 2025 | 0.64% |
| Q4 2025 | 0.46% |
| Q1 2026 | 0.81% |
| Q2 2026 | 0.79% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $37.9M | 8.68% | 0.27% | 0.79% | 65.9% |
| Q1 2026 | 67 | $36.9M | 8.65% | 0.26% | 0.81% | 71.0% |
| Q4 2025 | 66 | $36.8M | 8.58% | 0.04% | 0.46% | 72.8% |
| Q3 2025 | 67 | $35.9M | 8.39% | 0.01% | 0.64% | 76.7% |
| Q2 2025 | 64 | $37.8M | 8.39% | 0.27% | 0.47% | 69.2% |
| Q1 2025 | 67 | $37.6M | 8.23% | 0.00% | 0.63% | 70.7% |
| Q4 2024 | 61 | $37.3M | 8.17% | 0.44% | 0.48% | 71.3% |
| Q3 2024 | 67 | $36.2M | 8.49% | 0.05% | 0.69% | 74.8% |
| Q2 2024 | 65 | $35.8M | 8.32% | 0.10% | 0.48% | 70.3% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Western National BankBank Cass Lake, MN | 72 out of 100, Strong | $37.1M | 9.1% | 0.00% | vs |
| State Bank of JeffersBank Jeffers, MN | 97 out of 100, Very strong | $37.1M | 14.1% | 0.00% | vs |
| Farmers State Bank of HoffmanBank Hoffman, MN | 67 out of 100, Moderate | $36.9M | 12.6% | 2.10% | vs |
| The First National Bank of FairfaxBank Fairfax, MN | 67 out of 100, Moderate | $35.6M | 38.5% | 8.68% | vs |
| The First National Bank of ProctorBank Proctor, MN | 69 out of 100, Moderate | $34.0M | 8.5% | 0.00% | vs |
| Lake Country Community BankBank Morristown, MN | 74 out of 100, Strong | $31.5M | 11.9% | 0.00% | vs |
Deposit insurance
Is my money safe at The First National Bank at St. James?
Yes. The First National Bank at St. James is an FDIC-insured institution (FDIC certificate #14853). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 4.5% of deposits ($1.6M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.68%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.77% (benchmark: 10%).
1 location
Branches
The First National Bank at St. James lists 1 office in 1 city. Most locations:
- Saint James, MN (1)
Identity & history
Profile
- Legal name
- The First National Bank at St. James
- Type
- National bank
- FDIC certificate #
- 14853
- RSSD ID
- 794653
- Primary regulator
- OCC
- Holding company
- First Natl Agency Saint James
- Established
- October 31, 1934
- Headquarters
- 202 1st Ave S, Saint James, MN 56081
- Website
- www.fnbstjames.com
- Employees
- 11
Quick answers
The First National Bank at St. James: common questions
Is The First National Bank at St. James FDIC insured?
Yes. The First National Bank at St. James is an FDIC-insured institution (FDIC certificate #14853). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank at St. James's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The First National Bank at St. James ever failed?
There is no failure record for FDIC certificate #14853 in the FDIC failed bank list.
How many branches does The First National Bank at St. James have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Saint James
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Southpoint Financial Credit UnionCredit union Sleepy Eye, MN | 73 out of 100, Strong | $608.9M | 11.2% | 0.17% | vs |
| Profinium, Inc.Bank Truman, MN | 72 out of 100, Strong | $533.1M | 10.2% | 0.13% | vs |
| MidCountry BankBank Minneapolis, MN | 72 out of 100, Strong | $1.1B | 13.0% | 0.90% | vs |
| Pioneer BankBank Mapleton, MN | 71 out of 100, Strong | $883.8M | 10.2% | 0.58% | vs |
| Citizens Bank MinnesotaBank New Ulm, MN | 70 out of 100, Strong | $596.0M | 9.3% | 0.02% | vs |
| Alliance BankBank Lake City, MN | 70 out of 100, Strong | $755.9M | 10.1% | 0.01% | vs |