Bank call report · Saint James, MN
The First National Bank at Saint James Call Report
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The First National Bank at Saint James filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 277 reported line items, schedule by schedule (785 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 794653 |
| FDIC certificate number | 14853 |
| Total assets | $37.9M |
Official Q2 2026 call report PDF (FFIEC) →
The First National Bank at Saint James call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (23 items)
About Schedule RC · The First National Bank at Saint James balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $37.9M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $37.9M |
| Total Liabilities and Minority Interest | RCON2948 | $34.7M |
| Total Deposits | RCON2200 | $34.6M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $24.8M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $23.2M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $22.8M |
| Deposits: Noninterest-bearing | RCON6631 | $9.8M |
| Interest-bearing Balances | RCON0071 | $8.9M |
| Total Equity Capital | RCON3210 | $3.2M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $3.2M |
| Undivided Profits and Capital Reserves | RCON3632 | $2.9M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $1.8M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $1.3M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $1.1M |
| Federal Funds Sold | RCONB987 | $1.1M |
| Other Assets | RCON2160 | $818K |
| Allowance for Loan and Lease Losses | RCON3123 | $366K |
| Surplus | RCON3839 | $286K |
| Other Liabilities, Total | RCON2930 | $68K |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $61K |
| Accumulated Other Comprehensive Income | RCONB530 | -$49K |
| Common Stock | RCON3230 | $12K |
Schedule RI: Income Statement (38 items)
About Schedule RI · The First National Bank at Saint James income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $1.1M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $885K |
| Net Interest Income | RIAD4074 | $860K |
| Total Noninterest Expense | RIAD4093 | $816K |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $441K |
| Salaries and Employee Benefits | RIAD4135 | $429K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $251K |
| Total Interest Expense | RIAD4073 | $207K |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $192K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $155K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $153K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $153K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $146K |
| Net Income (Loss) | RIAD4340 | $146K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $146K |
| Other Noninterest Expense | RIAD4092 | $136K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $131K |
| Total Noninterest Income | RIAD4079 | $115K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $111K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $104K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $99K |
| Other Noninterest Income | RIADB497 | $79K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $37K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $36K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $31K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $21K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $20K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $14K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $12K |
| Applicable Income Taxes | RIAD4302 | $7K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $7K |
| Provision for Loan and Lease Losses | RIAD4230 | $6K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $6K |
| Other Interest Income | RIAD4518 | $4K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $3K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $3K |
| Interest on Other Securities | RIAD4060 | $3K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 11 |
Schedule RC-B: Securities (12 items)
About Schedule RC-B · The First National Bank at Saint James securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $1.8M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $1.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $1.2M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $1.0M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $1.0M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $466K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $423K |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $359K |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $352K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $327K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $148K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $96K |
Schedule RC-C, Part I: Loans and Leases (33 items)
About Schedule RC-C, Part I · The First National Bank at Saint James loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $23.2M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $11.1M |
| Pledged Loans and Leases | RCONG378 | $7.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $5.2M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $5.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $4.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $4.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $3.3M |
| Real Estate Loans Secured by Farmland | RCON1420 | $2.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $2.4M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $2.3M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $2.3M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $1.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $1.1M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $1.1M |
| Commercial and Industrial Loans | RCON1766 | $1.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $825K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $559K |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $511K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $505K |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $491K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $471K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $445K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $420K |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $401K |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $281K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $148K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $108K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $108K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $60K |
| Unearned Income on Loans | RCON2123 | $29K |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $11K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $4K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $1.6M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $1.2M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $1.1M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $833K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $686K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $642K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $541K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $500K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $455K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $430K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $211K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $115K |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 22 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 20 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 13 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 9 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 7 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 6 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 6 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 6 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 6 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 4 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 1 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 1 |
Schedule RC-E: Deposit Liabilities (22 items)
About Schedule RC-E · The First National Bank at Saint James deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $18.8M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $18.5M |
| Total Transaction Accounts | RCON2215 | $15.8M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $15.5M |
| Total Demand Deposits (See Note Below) | RCON2210 | $9.8M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $8.2M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $6.1M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $4.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $4.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $3.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $3.7M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $3.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $827K |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $827K |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $536K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $527K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $488K |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $302K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $300K |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $203K |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $155K |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $125K |
Schedule RC-F: Other Assets (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $385K |
| Accrued Interest Receivable | RCONB556 | $279K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $94K |
| Other Assets | RCON2168 | $60K |
| Prepaid Expenses | RCON2166 | $44K |
Schedule RC-G: Other Liabilities (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $68K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · The First National Bank at Saint James quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $37.3M |
| Quarterly Average of Total Loans | RCON3360 | $23.5M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $11.4M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $9.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $8.7M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $5.7M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $5.7M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $5.3M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $2.8M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $2.2M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $1.0M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $991K |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $851K |
| Mortgage-backed Securities | RCONB559 | $480K |
| All Other Securities | RCONB560 | $421K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (3 items)
About Schedule RC-L · The First National Bank at Saint James derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $1.9M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $111K |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $29K |
Schedule RC-M: Memoranda (2 items)
About Schedule RC-M · The First National Bank at Saint James memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $1.8M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 4 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (9 items)
About Schedule RC-N · The First National Bank at Saint James past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $99K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $77K |
| Additions to Nonaccrual Assets | RCONC410 | $62K |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $62K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $60K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $22K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty : All Other Loans - Nonaccrual | RCONK128 | $2K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $2K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $2K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (10 items)
About Schedule RC-O · The First National Bank at Saint James other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $37.3M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $34.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $29.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $4.6M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $3.2M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $536K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 2,136 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 27 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 12 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · The First National Bank at Saint James regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · The First National Bank at Saint James regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $37.3M |
| Average total consolidated assets | RCOAKW03 | $37.3M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $20.9M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $3.5M |
| Common Equity Tier 1 Capital | RCOAP859 | $3.2M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $3.2M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $3.2M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $3.2M |
| Retained Earnings | RCOAKW00 | $2.9M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $298K |
| General Loan and Lease Valuation Allowances | RCOA5310 | $262K |
| Tier 2 (Supplementary) Capital | RCOA5311 | $262K |
| Tier 2 Capital Before Deductions | RCOAP870 | $262K |
| Accumulated Other Comprehensive Income | RCOAB530 | -$49K |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$49K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1677 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1551 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1551 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0877 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0868 |
Schedule RC-R, Part II: Risk-Weighted Assets (47 items)
About Schedule RC-R, Part II · The First National Bank at Saint James risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $21.0M |
| Total Risk-weighted Assets | RCONG641 | $20.9M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $13.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $13.9M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $13.4M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $11.6M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $11.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $10.6M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $10.6M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $10.2M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $10.1M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $9.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $7.6M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $7.6M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $6.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $6.3M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $6.3M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $5.3M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $3.7M |
| Total All Other Assets | RCOND981 | $1.9M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $1.8M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $1.7M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $1.6M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $1.3M |
| Federal Funds Sold in Domestic Offices | RCOND971 | $1.1M |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $1.1M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $1.0M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $960K |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $825K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $535K |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $515K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 50 Pct Risk Weight Category | RCONS461 | $510K |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $480K |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $480K |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$415K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $343K |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $343K |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $281K |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $281K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $112K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $110K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $82K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $75K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $62K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $62K |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $61K |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$49K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $3.2M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $3.1M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $3.1M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $30K |
| Other Comprehensive Income | RIADB511 | -$16K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (2 items)
About Schedule RI-B, Part I · The First National Bank at Saint James charge-offs and recoveries on loans and leases trends
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · The First National Bank at Saint James changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $366K |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $366K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $6K |
The First National Bank at Saint James call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the The First National Bank at Saint James call report?
The The First National Bank at Saint James call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does The First National Bank at Saint James file?
The First National Bank at Saint James files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the The First National Bank at Saint James call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: The First National Bank at Saint James has Federal Reserve RSSD ID 794653 and FDIC certificate number 14853. Either one finds its filings on the FFIEC Central Data Repository.
How often does The First National Bank at Saint James file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
The First National Bank at Saint James financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 14853) · FFIEC NIC profile (RSSD 794653)