BlastPoint's Banking Scorecard
The First National Bank at St. James
Designations: ✓ Community bank
Saint James, MN
The First National Bank at St. James demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.26% above tier average
- + Efficiency Ratio 7.63% below tier average
- + Delinquency Rate 1.11% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$36.9M
-1.8% YoY
+0.2% QoQ
|
-$25.3M |
$62.2M
-0.6% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
17% |
| Total Loans ? |
$23.9M
-2.1% YoY
-2.5% QoQ
|
-$10.4M |
$34.2M
-1.4% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
35% |
| Total Deposits ? |
$33.7M
-2.4% YoY
+0.1% QoQ
|
-$18.1M |
$51.7M
-0.7% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
22% |
| Return on Assets ? |
0.81%
+29.1% YoY
+75.5% QoQ
|
-0.02% |
0.84%
-2.3% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
44% |
| Net Interest Margin ? |
5.12%
+7.1% YoY
+2.8% QoQ
|
+1.26% |
3.86%
+2.8% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Top 7.9% in tier |
| Efficiency Ratio ? |
80.71%
-0.4% YoY
-6.9% QoQ
|
-7.63% |
88.34%
+0.3% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
33% |
| Delinquency Rate ? |
0.26%
+606.4% QoQ
|
-1.11% |
1.37%
+33.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
70.98%
+0.3% YoY
-2.5% QoQ
|
+6.76% |
64.22%
-0.7% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
27.27%
+9.4% YoY
+11.3% QoQ
|
+3.56% |
23.71%
+0.3% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.17%
+587.6% QoQ
|
-0.62% |
0.79%
+28.2% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
54% |
| Tier 1 Capital Ratio ? |
14.65%
+10.4% YoY
+5.4% QoQ
|
-12.04% |
26.68%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.15%
-1.7% YoY
-76.5% QoQ
|
-0.52% |
0.67%
+1.9% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
84% |
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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.