The First National Bank at Saint James: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank at Saint James earns an unusually wide margin on its lending. It reported $38 million in assets at June 30, 2026. It keeps 5.72 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.88 cents). On the other hand, it funds 8.68% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 13.06%).
Earnings jumped: net income for the quarter was $71,000, 137% above the same quarter a year earlier. Over the same year, loans shrank 4.8% and deposits shrank 0.2%. Costs are the weak spot: it spends about 86 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 69 cents).
As of June 30, 2026, The First National Bank at Saint James reported a CET1 capital ratio of 15.51%, a return on assets of 0.76%, a nonperforming-loan ratio of 0.27% and a Texas ratio of 1.74%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 202 1st Ave S, Saint James, MN 56081
- County
- Watonwan
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 31, 1934
- Offices
- 1 domestic
- Employees (FTE)
- 11
- Domestic deposits
- $34.6M
- Allowance for credit losses
- $366K
- Net charge-offs (YTD)
- $6K
- Average total assets
- $37.3M
- Average total loans
- $23.5M
- Average interest-bearing deposits
- $24.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 31, 1934
- FDIC Cert
- 14853
- Fed RSSD
- 794653
- Website
- www.fnbstjames.com →
- Parent Holding Company
- FIRST NATIONAL AGENCY AT SAINT JAMES, INC. (RSSD 1142952)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The First National Bank at Saint James terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.51% | 0.76% | 0.27% | 1.74% | 5.72% |
| Q1 2026 | 14.65% | 0.81% | 0.26% | 1.77% | 5.48% |
| Q4 2025 | 13.90% | -0.08% | 0.04% | 0.26% | 5.41% |
| Q3 2025 | 13.62% | 0.96% | 0.01% | 0.09% | 5.34% |
| Q2 2025 | 13.63% | 0.33% | 0.27% | 1.95% | 5.19% |
| Q1 2025 | 13.26% | 0.63% | 0.00% | 0.00% | 5.04% |
| Q4 2024 | 12.79% | -0.13% | 0.44% | 3.37% | 5.00% |
| Q3 2024 | 12.61% | 1.13% | 0.05% | 0.40% | 4.74% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank at St. James | Saint James , MN | 56081 | $34.6M |
Regulatory record
What the public regulatory sources show for The First National Bank at Saint James, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC); 1 against individuals associated with it
- August 20, 1990, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): The First National Bank At St. James
- Period: Most recent institution action August 20, 1990. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MN, rank 260 of 279 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $149K approved, $149K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The First National Bank at Saint James
What are The First National Bank at Saint James's total assets?
As of the Q2 2026 filing, The First National Bank at Saint James reported total assets of $37.9 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The First National Bank at Saint James headquartered?
The First National Bank at Saint James is headquartered in Saint James, MN, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The First National Bank at Saint James founded?
The First National Bank at Saint James was established in 1934, per the FDIC institution directory.
Is The First National Bank at Saint James FDIC-insured?
Yes. The First National Bank at Saint James is an FDIC-insured commercial bank (FDIC Certificate #14853). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank at Saint James?
The First National Bank at Saint James's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The First National Bank at Saint James's CET1 capital ratio?
The First National Bank at Saint James reported a Common Equity Tier 1 (CET1) capital ratio of 15.51% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First National Bank at Saint James operate?
The First National Bank at Saint James operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank at Saint James's Texas Ratio?
The First National Bank at Saint James's Texas Ratio is 1.74% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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