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The First National Bank At St. James
Saint James, MN · FDIC Certificate #14853 · Chartered 10/3
Total assets
$37.88M
Total deposits
$34.62M
Total equity
$3.19M
Net loans
$22.81M
Branches (offices)
1
Net income (YTD)
$146.00K
Rank: #4,110 of 4,213 U.S. banks by assets · #211 of 221 in Minnesota. Assets changed 0.3% and deposits -0.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.79% |
| Return on equity | 9.29% |
| Net interest margin (YTD) | 5.13% |
| Equity to assets | 8.42% |
| Tier 1 leverage ratio | 8.68% |
| Uninsured deposits (share of deposits) | 4.5% |
| Noncurrent loans (share of loans) | 0.27% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 65.9% |
| Real estate loans (share of loans) | 74.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $17.09M | 74.9% | |
| Commercial & industrial | $1.04M | 4.6% | |
| Consumer / individual | $2.27M | 10.0% | |
| Construction & development | $292.00K | 1.3% | |
| Agricultural | $2.28M | 10.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $35.88M | $33.41M | -$45.00K | $2.47M |
| Jun 2023 | $37.91M | $35.31M | $87.00K | $2.58M |
| Jun 2024 | $35.80M | $32.89M | $88.00K | $2.84M |
| Jun 2025 | $37.77M | $34.68M | $89.00K | $3.03M |
| Jun 2026 | $37.88M | $34.62M | $146.00K | $3.19M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $34.62M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $34.62M.
Similar-sized banks
Cottonwood Valley Bank ($38.07M) · Farmers State Bank Of Emden ($37.77M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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