Is First Nb at St James Safe?
First Nb at St James has a Bank Health Score of 88/100 (A), based on FDIC call report data. Its strongest factor is loan quality (98/100), while profitability is its weakest area (45/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.45% | 88/100 |
| Nonperforming Loan Ratio | 0.10% | 98/100 |
| Liquidity Ratio | 28.56% | 94/100 |
| Return on Assets | 0.62% | 45/100 |
| Total Assets | $0.0B | |
How does First Nb at St James compare?
With a Bank Health Score of 88/100, First Nb at St James sits 18.0 points above the national average of 70/100 for FDIC-insured banks. Within Minnesota, where 225 FDIC-insured banks are headquartered, First Nb at St James ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 13.45% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.10% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First Nb at St James's Bank Health Score improved by 2.0 points to 88/100. Tier 1 capital strengthened by 1.03 percentage points to 13.45%.
First Nb at St James has a Bank Health Score of 88/100 (A), based on FDIC call report data. Its strongest factor is loan quality (98/100), while profitability is its weakest area (45/100).