The First National Bank at Saint James: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio dropped 5.14 percentage points in Q2 2026, from 72.06% to 66.93%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, The First National Bank at Saint James is 191st of 221 on return on assets, 0.76% as of Q2 2026, below the middle of the field. The First National Bank at Saint James reported 0.76% on return on assets for Q2 2026, 0.22 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.51% |
| Tier 1 risk-based capital ratio | 15.51% |
| Total risk-based capital ratio | 16.77% |
| Tier 1 leverage ratio | 8.68% |
| Equity capital to assets | 8.42% |
| Tangible equity to tangible assets | 8.42% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.73% |
| Non-performing assets ratio | 0.45% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.78% |
| Allowance for credit losses to loans | 1.58% |
| Reserve coverage of non-performing loans | 215.29% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.76% |
| Return on equity | 8.97% |
| Net interest margin | 5.72% |
| Efficiency ratio | 86.22% |
| Yield on earning assets | 7.01% |
| Cost of funds | 1.16% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.93% |
| Core deposits to total deposits | 97.61% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.40% |
| Securities to assets | 4.85% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.41% | 12.41% | 13.66% | 7.62% | -0.01% |
| Q4 2023 | 12.67% | 12.67% | 13.92% | 7.99% | 0.89% |
| Q1 2024 | 13.12% | 13.12% | 14.38% | 8.06% | 0.52% |
| Q2 2024 | 13.45% | 13.45% | 14.70% | 8.32% | 0.44% |
| Q3 2024 | 12.61% | 12.61% | 13.86% | 8.49% | 1.13% |
| Q4 2024 | 12.79% | 12.79% | 14.04% | 8.17% | -0.13% |
| Q1 2025 | 13.26% | 13.26% | 14.51% | 8.23% | 0.63% |
| Q2 2025 | 13.63% | 13.63% | 14.89% | 8.39% | 0.33% |
| Q3 2025 | 13.62% | 13.62% | 14.87% | 8.39% | 0.96% |
| Q4 2025 | 13.90% | 13.90% | 15.15% | 8.58% | -0.08% |
| Q1 2026 | 14.65% | 14.65% | 15.90% | 8.65% | 0.81% |
| Q2 2026 | 15.51% | 15.51% | 16.77% | 8.68% | 0.76% |
The First National Bank at Saint James vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank at Saint James, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)