Bank · FDIC insured
FNB St. James
A $37.9M bank headquartered in St. James, MN, with 1 branch in Minnesota. Best rates: CDs 3.75% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs733.75%for 9–15 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About FNB St. James
The First National Bank at St. James is a locally owned bank headquartered in St. James, Minnesota.
- Headquarters
- 202 1st Ave S, St. James, MN 56081
- FDIC certificate
- 14853 ↗
Branches
1 branch in Minnesota
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Minnesota
1 branch
- The First National Bank at St. JamesMain office202 1st Ave S, St. James, MN 56081Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.68% | 12.77% | 16.04% or more |
| Troubled loansNoncurrent | 0.27% | 0.46% | 0.00% or less |
| ProfitabilityReturn on assets | 0.79% | 0.99% | 1.52% or more |
| LendingLoans per $100 deposited | $67 | $67 | — |
- CapitalLeverage ratio8.68%Peers’ middle 12.77% · Top 25% 16.04%+
- Troubled loansNoncurrent0.27%Peers’ middle 0.46% · Top 25% ≤0.00%
- ProfitabilityReturn on assets0.79%Peers’ middle 0.99% · Top 25% 1.52%+
- LendingLoans per $100 deposited$67Peers’ middle $67
Compared with the 546 banks with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of FNB St. James are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.