Side-by-side · Q2 2026 data
The First National Bank at St. James vs MidCountry 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 | MidCountry Bank |
|---|---|---|
| TellerScore | 68 | 72 (stronger) |
| Capital cushion | 37 | 80 (stronger) |
| Loan quality | 91 (stronger) | 70 |
| Earnings | 51 | 61 (stronger) |
| Funding & liquidity | 94 (stronger) | 61 |
| Problem-loan coverage | 97 (stronger) | 89 |
| Peer percentile | 33rd | 66th |
| Total assets | $37.9M | $1.1B |
| Deposits / shares | $34.6M | $835.8M |
| Capital ratio | 8.68% | 13.00% (stronger) |
| Problem loans | 0.27% (stronger) | 0.90% |
| Net charge-offs | 0.05% | 0.03% (stronger) |
| Return on assets | 0.79% | 1.03% (stronger) |
| Loans ÷ deposits | 65.9% (stronger) | 86.6% |
| Uninsured deposits | 4.5% (stronger) | 26.4% |
| Offices | 1 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
MidCountry Bank has the higher TellerScore (72 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank at St. James leads on 3 and MidCountry Bank on 4. 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.