The First National Bank at Saint James: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First National Bank at Saint James of Saint James, MN against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.76% | 3.14% | -2.38% | 36th below |
| ROAE Behind the peer average, ahead of the median peer. | 8.97% | 10.42% | -1.45% | 53rd above |
| Net Interest Margin | 5.72% | 3.93% | +1.79% | 96th top |
| Efficiency Ratio | 86.22% | 76.29% | +9.93% | 22nd bottom |
| PPNR / Avg Assets | 0.72% | 1.40% | -0.68% | 27th below |
| Yield on Earning Assets | 7.01% | 5.35% | +1.66% | 94th top |
| Cost of Funds | 1.16% | 1.71% | -0.55% | 71st above |
| Net Interest Spread | 5.40% | 3.31% | +2.09% | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.73% | 1.34% | -0.61% | 36th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.45% | 0.71% | -0.26% | 34th below |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.58% | 1.49% | +0.09% | 72nd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 215.29% | 865.15% | -649.86% | 61st above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.78% | 8.25% | -3.47% | 35th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 100.00% | 314.93% | -214.93% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.51% | 61.96% | -46.45% | 25th below |
| Tier 1 Ratio | 15.51% | 61.97% | -46.46% | 25th below |
| Total Capital Ratio | 16.77% | 62.93% | -46.16% | 26th below |
| Leverage Ratio | 8.68% | 17.61% | -8.93% | 8th bottom |
| Equity / Assets | 8.42% | 16.43% | -8.01% | 12th bottom |
| TCE / Tangible Assets | 8.42% | 16.18% | -7.76% | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.93% | 72.83% | -5.90% | 50th above |
| Core Deposit Ratio | 97.61% | 88.20% | +9.41% | 85th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.29% | 4.31% | -4.02% | 35th below |
| Loan Growth (Y/Y) | -4.81% | 6.74% | -11.55% | 20th bottom |
| Deposit Growth (Y/Y) | -0.16% | 3.77% | -3.93% | 34th below |
See The First National Bank at Saint James's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank at Saint James, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The First National Bank at Saint James profile, how to read a UBPR, or how this data updates.