The First National Bank at Saint James: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 6.00 percentage points lower than in Q1 2026, at 21.72%. The First National Bank at Saint James ranks 168th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 66.93% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio; The First National Bank at Saint James reported 66.93% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $23.2M |
| Net loans and leases | $22.8M |
| Loans held for sale | $0 |
| Loans to total assets | 61.17% |
| Loan-to-deposit ratio | 66.93% |
| Net loans to equity capital | 7.15% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.84% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 4.50% |
| Consumer | 9.80% |
| Credit cards | 0.00% |
| Farm | 10.70% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.20% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 21.72% |
| Construction concentration (Tier 1 capital + allowance) | 8.10% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $438K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $23.6M | $33.6M | 10.08% | 5.24% | 11.23% |
| Q4 2023 | $24.3M | $32.9M | 9.72% | 2.96% | 10.64% |
| Q1 2024 | $23.3M | $34.3M | 10.02% | 2.29% | 11.23% |
| Q2 2024 | $23.5M | $32.9M | 10.72% | 4.00% | 10.81% |
| Q3 2024 | $25.2M | $33.2M | 10.08% | 3.51% | 9.63% |
| Q4 2024 | $24.8M | $34.3M | 10.01% | 2.78% | 9.34% |
| Q1 2025 | $24.8M | $34.5M | 9.31% | 4.19% | 8.97% |
| Q2 2025 | $24.3M | $34.7M | 9.15% | 4.17% | 8.70% |
| Q3 2025 | $25.5M | $32.8M | 9.99% | 3.85% | 8.69% |
| Q4 2025 | $24.9M | $33.6M | 11.04% | 3.73% | 9.09% |
| Q1 2026 | $24.3M | $33.7M | 11.20% | 4.29% | 8.53% |
| Q2 2026 | $23.2M | $34.6M | 11.84% | 4.50% | 9.80% |
The First National Bank at Saint James loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank at Saint James, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The First National Bank at Saint James profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14853) · FFIEC NIC profile (RSSD 794653)