Side-by-side · Q2 2026 data
The First National Bank of Fairfax 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 | The First National Bank of Fairfax | The First National Bank at St. James |
|---|---|---|
| TellerScore | 67 | 68 (stronger) |
| Capital cushion | 100 (stronger) | 37 |
| Loan quality | 0 | 91 (stronger) |
| Earnings | 64 (stronger) | 51 |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 88 | 97 (stronger) |
| Peer percentile | 30th | 33rd |
| Total assets | $35.6M | $37.9M |
| Deposits / shares | $21.9M | $34.6M |
| Capital ratio | 38.46% (stronger) | 8.68% |
| Problem loans | 8.68% | 0.27% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.05% |
| Return on assets | 1.10% (stronger) | 0.79% |
| Loans ÷ deposits | 42.8% (stronger) | 65.9% |
| Uninsured deposits | 9.6% | 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), The First National Bank of Fairfax 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.