Jamestown, ND · Cert 19396 · McIntosh Cnty Bk Holding
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating regionally (n=94). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
17
Asset Quality
35
Profitability
62
Liquidity
71
Efficiency
60
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Jamestown, ND · Cert 19396 · McIntosh Cnty Bk Holding
State charter, non-member · FDIC · 1 affiliate bank · 4 branches (6 in holding)
Q2 2026
Market Position · Phoenix-Mesa-Chandler, AZ · 2026 SOD (annual) · 0.0% share · #50 of 55 inst. · $0.1B of $192.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.80% | 0.73% | 0.97% | 1.04% | 1.05% | 1.07% | 1.29% | +32 bps | |
| Return on Equity | 12.06% | 12.01% | 10.58% | 14.00% | 14.67% | 14.49% | 13.21% | 15.59% | +159 bps | |
| Net Interest Margin | 2.98% | 3.01% | 3.17% | 3.35% | 3.37% | 3.38% | 3.56% | 3.71% | +36 bps | |
| Efficiency Ratio | 68.71% | 66.51% | 66.20% | 60.86% | 60.76% | 61.25% | 65.05% | 59.11% | -175 bps | |
| Non-Interest Burden | 1.96% | 1.90% | 1.95% | 1.89% | 1.90% | 1.93% | 2.20% | 2.06% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.07% | -1.98% | -1.34% | 3.25% | 1.86% | 4.18% | 2.82% | 2.71% | -54 bps | |
| Loan Growth (YoY) | 2.44% | 4.41% | 7.21% | 8.03% | 6.46% | 0.83% | 1.84% | 2.83% | -519 bps | |
| Deposit Growth (YoY) | -5.62% | -3.87% | -2.08% | 1.76% | 3.88% | 5.37% | 5.12% | 4.42% | +266 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.47% | 0.78% | 0.57% | 0.51% | 0.57% | 0.39% | 0.28% | 0.44% | -7 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.28% | 0.95% | 0.46% | 0.32% | 0.33% | 0.38% | 0.23% | -23 bps | |
| Allowance / Loans | 1.70% | 1.52% | 1.38% | 1.39% | 1.40% | 1.35% | 1.23% | 1.17% | -22 bps | |
| Allowance Coverage of NPLs | 1.2x | 2.0x | 2.4x | 2.7x | 2.4x | 3.5x | 4.3x | 2.7x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.82% | 8.93% | 8.71% | 9.04% | 9.15% | 9.41% | 9.62% | 10.02% | +98 bps | |
| Total Risk-Based Capital | 12.45% | 12.57% | 12.30% | 12.40% | 12.81% | 13.35% | 13.40% | 10.02% | -238 bps | |
| Equity / Assets | 7.29% | 6.96% | 6.86% | 6.91% | 7.53% | 7.90% | 8.28% | 8.57% | +165 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.04% | 87.58% | 86.75% | 91.19% | 89.20% | 83.81% | 84.05% | 89.80% | -139 bps | |
| Liquid Assets / Assets | 1.63% | 0.10% | 0.98% | 0.04% | 1.52% | 5.80% | 5.01% | 1.76% | +172 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 361% | 343% | 337% | n/a | n/a | |
Jamestown, ND · Cert 19396 · Peer group: banks under $1B in assets operating regionally (n=94) · McIntosh Cnty Bk Holding
State charter, non-member · FDIC · 1 affiliate bank · 4 branches (6 in holding)
Q2 2026
Return on Assets
1.29%
Rank 38 of 94
Net Interest Margin
3.71%
Rank 51 of 94
Efficiency Ratio
60.26%
Rank 39 of 94
Equity / Assets
8.57%
Rank 78 of 94
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.29% | 0.82% | 1.19% | 1.46% | Beats 60% | 38 / 94 | ||
| Return on Equity | 15.02% | 7.85% | 11.84% | 14.03% | Beats 79% | 20 / 94 | ||
| Net Interest Margin | 3.71% | 3.42% | 3.81% | 4.18% | Beats 46% | 51 / 94 | ||
| Efficiency Ratio | 60.26% | 55.99% | 62.41% | 73.02% | Beats 60% | 39 / 94 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.44% | 0.19% | 0.47% | 1.14% | Beats 54% | 44 / 94 | ||
| Net Charge-Offs / Loans | 0.12% | 0.00% | 0.02% | 0.05% | Beats 15% | 81 / 94 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.02% | 10.28% | 11.95% | 15.07% | Beats 18% | 77 / 94 | ||
| Total Risk-Based Capital Ratio | 10.02% | 10.31% | 12.59% | 15.88% | Beats 16% | 79 / 94 | ||
| Equity / Assets | 8.57% | 8.98% | 10.21% | 11.41% | Beats 17% | 78 / 94 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.80% | 72.62% | 84.44% | 94.55% | 70th pctl | 28 / 94 | ||
| Loans / Assets | 75.09% | 62.50% | 72.84% | 78.99% | 61st pctl | 37 / 94 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||