Side-by-side · Q2 2026 data
Farmers State Bank of Hoffman 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 | Farmers State Bank of Hoffman | The First National Bank at St. James |
|---|---|---|
| TellerScore | 67 | 68 (stronger) |
| Capital cushion | 76 (stronger) | 37 |
| Loan quality | 30 | 91 (stronger) |
| Earnings | 68 (stronger) | 51 |
| Funding & liquidity | 94 | 94 |
| Problem-loan coverage | 85 | 97 (stronger) |
| Peer percentile | 30th | 33rd |
| Total assets | $36.9M | $37.9M |
| Deposits / shares | $32.7M | $34.6M |
| Capital ratio | 12.63% (stronger) | 8.68% |
| Problem loans | 2.10% | 0.27% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 1.20% (stronger) | 0.79% |
| Loans ÷ deposits | 47.2% (stronger) | 65.9% |
| Uninsured deposits | 20.2% | 4.5% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank at St. James has the higher TellerScore (68 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank of Hoffman leads on 4 and The First National Bank at St. James on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.