🏦Bank Scorer

THE FIRST NATIONAL BANK AT ST. JAMES

SAINT JAMES, MN · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1934FDIC #14,853
Outstanding Same

Current rating · Exam: November 2020

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.81%

Institution Profile

FDIC BankFind

Address

202 1st Ave S, SAINT JAMES, MN

County

Watonwan County

Established

October 31, 1934

Total Assets

$37M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

November 16, 2020

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$37M

Total Deposits

$34M

Net Loans

$24M

Net Income

$75K

ROA

0.81%

ROE

9.62%

Risk-Based Capital

15.90%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$35M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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