Institution Class	Commercial bank, national (federal) charter, Fed member, and supervised by the OCC
Primary Regulator	OCC
Established Date	10/31/1934
Community Bank	Yes
Ownership Type	Not Mutual
ZIP	56081
State and County Number	27165
Subchapter S Corporations	No
Trust Powers	N/A
Federal Reserve ID Number	09
Numeric code	3
Insured by FDIC	Institutions that are currently open and insured by the FDIC
Federal Reserve District	Kansas City
Core Based Statistical Area Name	N/A

Operational Info

Number of Employees	12
Domestic Offices	1
Foreign Offices	0
US Offices	0
Directly owned by another bank (CERT)	No
Last Structure Change Effective Date	08/31/2022
Date of Deposit Insurance	10/31/1934
Primary Insurance Agency	DIF
Website	www.fnbstjames.com
Data Updated	11/14/2025
CERT	14853
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$35.94M
Total Deposits	$32.78M
Total Liabilities	$32.85M
Total Equity Capital	$3.08M
Net Income	$90.00k
Net Loans and Leases	$25.14M
Assets Per Employee ($Millions)	$2.99M
Bank Premises and Fixed Assets	$1.19M
Cash and Balances due from Depository Institutions	$4.64M
Deposits Held in Domestic Offices	$32.78M

Return on Assets (ROA)	0.98%
Return on Equity (ROE)	11.78%
Net Interest Margin	5.11%
Efficiency Ratio	75.87%
Tier 1 Risk-Based Capital Ratio	13.618%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0.07%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	8.585%
Earning Assets to total Assets	91.51%

Total Interest Income	$541.00k
Total Noninterest Income	$60.00k
Total Interest Expense	$112.00k
Total Noninterest Expense	$371.00k
Net Interest Income	$429.00k
Pre-tax Net Operating Income	$112.00k
Provision for Credit Losses	$6.00k
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$0
Other borrowed funds	$0
Federal Funds Sold & Reverse Repurchase Agreement	$192.00k
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$66.00k
Total Liabilities and Capital	$35.94M

Securities	$3.84M
Available-for-sale debt securities	$3.28M
Equity securities with readily determinable fair values not held for trading	$0
Held-to-maturity securities	$0
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

What are the total assets of The First National Bank at St. James?

$35.94M as of the latest filing.

How much are The First National Bank at St. James's total deposits?

$32.78M in total deposits.

Where is The First National Bank at St. James located?

Saint James, MN.

What is the Net Interest Margin?

5.11%.

How many domestic offices does it operate?

When was it established?

10/31/1934.

What is the Return on Assets (ROA)?

0.98%.

How much are total loans and leases?

$25.14M (latest filing).

What is the total interest income (latest filing)?

$541.00k.