Side-by-side · Q2 2026 data
Citizens Bank Minnesota vs The First National Bank at St. James
Bank
The First National Bank at St. James
Saint James, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Citizens Bank Minnesota | The First National Bank at St. James |
|---|---|---|
| TellerScore | 70 (stronger) | 68 |
| Capital cushion | 43 (stronger) | 37 |
| Loan quality | 99 (stronger) | 91 |
| Earnings | 54 (stronger) | 51 |
| Funding & liquidity | 78 | 94 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 43rd | 33rd |
| Total assets | $596.0M | $37.9M |
| Deposits / shares | $498.7M | $34.6M |
| Capital ratio | 9.33% (stronger) | 8.68% |
| Problem loans | 0.02% (stronger) | 0.27% |
| Net charge-offs | -0.00% (stronger) | 0.05% |
| Return on assets | 0.85% (stronger) | 0.79% |
| Loans ÷ deposits | 80.5% | 65.9% (stronger) |
| Uninsured deposits | 16.9% | 4.5% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.1% | — |
Citizens Bank Minnesota has the higher TellerScore (70 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank Minnesota leads on 5 and The First National Bank at St. James on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.