Side-by-side · Q2 2026 data
The First National Bank at St. James vs Lake Country Community Bank
Bank
The First National Bank at St. James
Saint James, Minnesota · Under $100 million in assets
Metric by metric
| Measure | The First National Bank at St. James | Lake Country Community Bank |
|---|---|---|
| TellerScore | 68 | 74 (stronger) |
| Capital cushion | 37 | 69 (stronger) |
| Loan quality | 91 | 100 (stronger) |
| Earnings | 51 (stronger) | 29 |
| Funding & liquidity | 94 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 75 |
| Peer percentile | 33rd | 51st |
| Total assets | $37.9M | $31.5M |
| Deposits / shares | $34.6M | $28.2M |
| Capital ratio | 8.68% | 11.92% (stronger) |
| Problem loans | 0.27% | 0.00% (stronger) |
| Net charge-offs | 0.05% | -0.01% (stronger) |
| Return on assets | 0.79% (stronger) | 0.22% |
| Loans ÷ deposits | 65.9% | 60.7% (stronger) |
| Uninsured deposits | 4.5% (stronger) | 10.0% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lake Country Community Bank has the higher TellerScore (74 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank at St. James leads on 2 and Lake Country Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.