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 | |