Side-by-side · Q2 2026 data
The First National Bank of Proctor 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 Proctor | The First National Bank at St. James |
|---|---|---|
| TellerScore | 69 (stronger) | 68 |
| Capital cushion | 35 | 37 (stronger) |
| Loan quality | 100 (stronger) | 91 |
| Earnings | 43 | 51 (stronger) |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 37th | 33rd |
| Total assets | $34.0M | $37.9M |
| Deposits / shares | $31.1M | $34.6M |
| Capital ratio | 8.47% | 8.68% (stronger) |
| Problem loans | 0.00% (stronger) | 0.27% |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 0.57% | 0.79% (stronger) |
| Loans ÷ deposits | 44.4% (stronger) | 65.9% |
| Uninsured deposits | 7.4% | 4.5% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Proctor has the higher TellerScore (69 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Proctor 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.