|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 FNB at St. James Rates & Review May 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: May 3, 2026
FNB at St. James's 182 Days Certificates of Deposit rates are at 3.25%, 12-Month Certificates of Deposit rates are at 2.75%, 36-Month Variable* Certificates of Deposit rates are at 2.52%, 36-Month Certificates of Deposit rates are at 2.52%, 18-Month Certificates of Deposit rates are at 2.02%. MonitorBankRates evaluates the financial stability of FNB at St. James with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.03%. Rates were last updated on 05/03/2026. FNB at St. James money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at FNB at St. James? Share your experience about FNB at St. James by leaving a review below, or read customer reviews before you decide to use FNB at St. James. 
FNB at St. James CD Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for FNB at St. James is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather FNB at St. James rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with FNB at St. James's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
FNB at St. James
Bank Holding Company
FIRST NATL AGENCY SAINT JAMES
Address
202 1st Ave S,
Saint James, MN 56081 · Watonwan
Website
https://www.fnbstjames.com
FDIC Certificate #
14853
Established
10/31/1934
FDIC Insurance Date
10/31/1934
Domestic Offices
1
Total Branches
1
Regulator
OCC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 99/100
5.0
Exceptional
Out of 5.0 Stars
2.03%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.3024%
Return on Equity (ROE)
4.4800%
Non-Performing Loans (NPL)
0.14%
Total Assets
$36,807,000
Total Deposits
$33,641,000
Equity Capital
$3,091,000
Net Income
$172,000
Headquarters
Saint James
Total Offices
1
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
There are no reviews for FNB at St. James yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for FNB at St. James
Frequently Asked Questions About FNB at St. JamesIs FNB at St. James a safe place to deposit money?Yes, FNB at St. James is considered a safe financial institution. With a Texas Ratio of 2.0257109466303%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does FNB at St. James operate?FNB at St. James currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, FNB at St. James does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, FNB at St. James provides members with tools to manage their accounts and build a solid financial history. Does FNB at St. James offer online and mobile banking?Most modern institutions like FNB at St. James provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fnbstjames.com. Current FNB at St. James Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Banks
Bank of Holly Springs
Mt. Victory State Bank
Pentucket Bank
BankChampaign
Commonwealth National Bank
Farmers National Bank
Community First Bank
The Union Bank of Mena
First Peoples Bank of Tennessee
Schaumburg Bank & Trust Company
Bank
North Dallas Bank & Trust (NDBT)
KeySavings Bank
Deerwood Bank
First Western Trust Bank
First Bank Kansas
City National Bank Corsicana, TX
Lake Country Community Bank
Grand Bank
Bank of Monticello GA
G. W. Jones Exchange Bank
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
