MN lenders / Community Bank
The First National Bank at St. James
Community Bank · Saint James, MN · First Natl Agency Saint James
- Total assets
- $36.9M
- CRE loan book
- $3.2M
- QoQ CRE growth
- -0.9%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.30% as of Q1 2026 — TX bank median 4.87% (2.43pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.30% | 7.28% |
| Q4 2025 | 7.50% | 7.58% |
| Q3 2025 | 7.30% | 7.45% |
| Q2 2025 | 7.05% | 7.23% |
| Q1 2025 | 7.00% | 7.33% |
| Q4 2024 | 7.24% | 7.47% |
| Q3 2024 | 7.11% | 7.38% |
| Q2 2024 | 6.94% | 7.45% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $3.2M | $490,000 | $0 | 28% | $0 |
| Q4 2025 | $3.2M | $493,000 | $0 | 29% | $0 |
| Q3 2025 | $3.1M | $512,000 | $0 | 32% | $0 |
| Q2 2025 | $2.7M | $489,000 | $0 | 32% | $0 |
| Q1 2025 | $2.8M | $454,000 | $0 | 32% | $0 |
| Q4 2024 | $2.9M | $460,000 | $0 | 35% | $0 |
| Q3 2024 | $3.3M | $801,000 | $0 | 45% | $0 |
| Q2 2024 | $3.2M | $647,000 | $0 | 40% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Buckley State BankCommunity Bank · Buckley · $3.2M CRE book
- Farmers Bank & TrustCommunity Bank · Atwood · $3.2M CRE book
- Citizens State BankCommunity Bank · Wyoming · $3.1M CRE book
- First National Bank in FredoniaCommunity Bank · Fredonia · $3.3M CRE book
- Bank of ViciCommunity Bank · Vici · $3.3M CRE book
See all alternatives to The First National Bank at St. James →
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.