BlastPoint's Banking Scorecard
The First National Bank at St. James
Designations: ✓ Community bank
Saint James, MN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
- Deposits -0.2% year over year ($34.6M on the books).
- Delinquency rate 0.27%.
- Return on assets 0.79%.
- Efficiency ratio 83.69% vs a 119.40% peer average.
- Loan-to-deposit ratio 65.87% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank at St. James has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.22% above tier average
- + Efficiency Ratio 35.70% below tier average
- + Delinquency Rate 1.21% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.21% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$37.9M
+0.3% YoY
+2.7% QoQ
|
-$24.6M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
18% |
| Total Loans ? |
$22.8M
-4.9% YoY
-4.5% QoQ
|
-$12.1M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
33% |
| Total Deposits ? |
$34.6M
-0.2% YoY
+2.9% QoQ
|
-$17.0M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
24% |
| Return on Assets ? |
0.79%
+65.6% YoY
-3.6% QoQ
|
-0.21% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
39% |
| Net Interest Margin ? |
5.13%
+7.2% YoY
+0.2% QoQ
|
+1.22% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
Top 9.0% in tier |
| Efficiency Ratio ? |
83.69%
-1.5% YoY
+3.7% QoQ
|
-35.70% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
25% |
| Delinquency Rate ? |
0.27%
-1.2% YoY
+4.7% QoQ
|
-1.21% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
65.87%
-4.8% YoY
-7.2% QoQ
|
-8.34% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
28.30%
+3.0% YoY
+3.8% QoQ
|
+4.81% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.16%
-6.3% YoY
-2.7% QoQ
|
-0.67% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
15.51%
+13.8% YoY
+5.9% QoQ
|
-11.61% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.30%
-0.3% YoY
+103.5% QoQ
|
-1.08% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
84% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.3%
+0.8pp YoY +1.0pp QoQ |
+3.7pp | 24.6% | 21.9% | 22.2% | 68% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.6%
+0.3pp YoY +0.2pp QoQ |
-8.8pp | 13.4% | 14.6% | 12.5% | 18% |
| CRE | n/a | n/a | 25.2% | 36.5% | 41.4% | n/a |
| 1-4 Family |
50.7%
+3.7pp YoY +3.6pp QoQ |
+15.8pp | 35.0% | 29.4% | 31.3% | 72% |
| Consumer |
10.0%
+1.1pp YoY +1.3pp QoQ |
+2.3pp | 7.7% | 4.5% | 5.0% | 77% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.5%
+1.9pp YoY +0.9pp QoQ |
-23.2pp | 38.7% | 16.5% | 19.7% | 26% |
| Leverage Ratio |
8.7%
+0.3pp YoY 0.0pp QoQ |
-9.0pp | 17.7% | 11.0% | 12.6% | 7% |
| Total Capital Ratio |
16.8%
+1.9pp YoY +0.9pp QoQ |
-22.9pp | 39.7% | 17.6% | 20.8% | 27% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
11
-1 (-8.3%) YoY 0 QoQ |
-1 | 12 | 55 | 482 | 50% |
| Assets per Employee ($) |
$3.4M
+9.4% YoY +2.7% QoQ |
-$2.7M | $6.2M | $8.6M | $8.8M | 12% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.3%
+0.3pp YoY 0.0pp QoQ |
-1.5pp | 1.7% | 1.0% | 1.0% | 28% |
| Allowance Coverage |
5.90x
+9.4% YoY 0.0% QoQ |
-0.51x | 6.41x | 20.41x | 20.23x | 83% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp QoQ |
-0.1pp | 0.2% | 0.2% | 0.2% | 58% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.3%
+3.3pp YoY -0.3pp QoQ |
+2.9pp | 6.4% | 13.1% | 11.6% | 57% |
| Cost of Funds (YTD) |
1.2%
-0.1pp YoY -0.1pp QoQ |
-0.2pp | 1.4% | 1.7% | 1.7% | 39% |
| Net Income ($, YTD) |
$146,000
+64.0% YoY — QoQ |
-$172K | $317,817 | $4.5M | $40.4M | 29% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.