Side-by-side · Q2 2026 data
Western National Bank 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 | Western National Bank | The First National Bank at St. James |
|---|---|---|
| TellerScore | 72 (stronger) | 68 |
| Capital cushion | 41 (stronger) | 37 |
| Loan quality | 100 (stronger) | 91 |
| Earnings | 73 (stronger) | 51 |
| Funding & liquidity | 65 | 94 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 45th | 33rd |
| Total assets | $37.1M | $37.9M |
| Deposits / shares | $33.0M | $34.6M |
| Capital ratio | 9.11% (stronger) | 8.68% |
| Problem loans | 0.00% (stronger) | 0.27% |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 1.32% (stronger) | 0.79% |
| Loans ÷ deposits | 43.5% (stronger) | 65.9% |
| Uninsured deposits | 46.5% | 4.5% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Western National Bank has the higher TellerScore (72 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Western National Bank leads on 6 and The First National Bank at St. James on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.