BlastPoint's Banking Scorecard
The First National Bank at St. James
Micro
Specialty: Agricultural
MN
FDIC cert 14853
Designations: ✓ Community bank
Saint James, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
The First National Bank at St. James shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$36.8M
-1.3% YoY
+2.4% QoQ
|
-$180.7M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$24.5M
+0.1% YoY
-2.5% QoQ
|
-$114.7M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$33.6M
-2.0% YoY
+2.6% QoQ
|
-$150.0M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
0.46%
-4.0% YoY
-27.8% QoQ
|
-0.62% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
4.98%
+6.9% YoY
+1.4% QoQ
|
+1.13% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
86.68%
+1.4% YoY
+5.9% QoQ
|
+18.95% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? |
0.04%
-91.8% YoY
+207.8% QoQ
|
-0.60% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
72.82%
+2.2% YoY
-5.0% QoQ
|
-1.71% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
24.51%
-9.4% YoY
+0.7% QoQ
|
+2.11% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.02%
-91.6% YoY
+192.9% QoQ
|
-0.43% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
13.90%
+8.7% YoY
+2.1% QoQ
|
+5.05% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.64%
-13.2% YoY
+30.6% QoQ
|
+0.07% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Net Interest Margin
Current: 4.98% · Tier avg: 3.85%
79
79th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.56%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
77
77th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
68
68th pctile
Tier 1 Capital Ratio
Current: 13.90% · Tier avg: 8.85%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 24.51% · Tier avg: 22.39%
43
43th pctile
Loan-to-Deposit Ratio
Current: 72.82% · Tier avg: 74.53%
17
17th pctile
Return on Assets
Current: 0.46% · Tier avg: 1.08%
12
12th pctile
Efficiency Ratio
Current: 86.68% · Tier avg: 67.73%
8
8th pctile
Total Loans
Current: $24.5M · Tier avg: $139.2M
5
5th pctile
Total Deposits
Current: $33.6M · Tier avg: $183.7M
4
4th pctile
Total Assets
Current: $36.8M · Tier avg: $217.5M
Top Weaknesses
4
4th pctile
Total Assets
Current: $36.8M · Tier avg: $217.5M
5
5th pctile
Total Deposits
Current: $33.6M · Tier avg: $183.7M
8
8th pctile
Total Loans
Current: $24.5M · Tier avg: $139.2M
12
12th pctile
Efficiency Ratio
Current: 86.68% · Tier avg: 67.73%
17
17th pctile
Return on Assets
Current: 0.46% · Tier avg: 1.08%
43
43th pctile
Loan-to-Deposit Ratio
Current: 72.82% · Tier avg: 74.53%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 24.51% · Tier avg: 22.39%
68
68th pctile
Tier 1 Capital Ratio
Current: 13.90% · Tier avg: 8.85%
77
77th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
79
79th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.56%
90
90th pctile
Net Interest Margin
Current: 4.98% · Tier avg: 3.85%