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First National Bank of McIntosh, The

McIntosh, MN · Cert 5196

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

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.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

91

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

93

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of McIntosh, The

McIntosh, MN · Cert 5196

National charter · OCC · 1 branch

Q2 2026

$47.0MAssets
$15.6MLoans
$37.4MDeposits
$9.5MEquity
Loan mix
81%RE $12.0M7%C&I $1.1M12%Consumer $1.7MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $30.2M19%Noninterest $7.1MQ3 2024Q2 2026

Market Position · Grand Forks, ND-MN · 2026 SOD (annual) · 1.0% share · #17 of 21 inst. · $0.0B of $3.9B

Executive Summary

  • Earnings: ROA of 1.57%, up 12 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 1.16% of loans (-103 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 20.20%, down 172 bps from a year ago.
  • Funding: loans stand at 41.60% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.57%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.07%-12 bps YoY

Efficiency Ratio (YTD, annualized)

45.54%-294 bps YoY

Tier 1 Leverage Ratio

20.20%-172 bps YoY

NIM

5.10%Q2 ’244.89%Q2 ’254.57%Q2 ’26-4%-4%

Non-interest income vs. expense

2.11%Q2 ’241.83%Q2 ’251.73%Q2 ’26-18%-19%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.59%1.56%1.42%1.45%1.50%1.47%1.42%1.57%+12 bps
Return on Equity7.10%6.93%6.34%6.53%6.76%6.71%6.86%7.69%+116 bps
Net Interest Margin3.42%3.48%3.34%3.19%3.19%3.11%3.13%3.07%-12 bps
Efficiency Ratio51.17%52.20%51.30%48.48%47.64%47.92%50.11%45.54%-294 bps
Non-Interest Burden1.44%1.52%1.38%1.24%1.20%1.20%1.23%1.00%-24 bps
Growth
Asset Growth (YoY)5.24%9.00%7.81%10.35%13.48%17.00%18.94%16.72%+637 bps
Loan Growth (YoY)9.52%-2.44%-5.04%-7.36%-4.07%-2.35%-2.89%-0.45%+691 bps
Deposit Growth (YoY)3.60%9.09%7.23%10.88%15.17%19.31%22.22%19.58%+869 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.32%2.47%2.19%0.19%0.25%1.13%1.16%-103 bps
Net Charge-Offs / Loans0.03%0.03%0.00%0.00%0.02%0.01%0.03%0.01%+1 bps
Allowance / Loans1.47%1.60%1.66%1.81%1.83%1.95%2.01%2.12%+31 bps
Allowance Coverage of NPLs19.0x4.9x0.7x0.8x9.5x7.9x1.8x1.8x+1.0x
Capital
Tier 1 Leverage Ratio22.70%23.10%22.55%21.93%21.90%21.45%20.24%20.20%-172 bps
Total Risk-Based Capital56.47%62.08%60.10%64.27%64.58%69.54%68.91%70.82%+655 bps
Equity / Assets23.11%22.63%22.10%21.94%22.08%21.19%20.10%20.10%-184 bps
Liquidity & Funding
Loans / Deposits60.74%54.55%53.26%49.97%50.59%44.64%42.32%41.60%-837 bps
Liquid Assets / Assets31.09%37.05%9.94%17.88%8.83%16.46%25.29%22.38%+451 bps
CRE / Total Capitaln/an/an/an/a22.60%23.19%27.71%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First National Bank of McIntosh, The

McIntosh, MN · Cert 5196 · Peer group: banks under $1B in assets (n=581-629)

National charter · OCC · 1 branch

Q2 2026

$47.0MAssets
$15.6MLoans
$37.4MDeposits
$9.5MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 93% of banks under $1B in assets (rank 43 of 629).
  • Widest gap: nonperforming loans / loans trails 74% of banks under $1B in assets (rank 430 of 581).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.53%

Rank 139 of 629

Net Interest Margin

3.07%

Rank 462 of 629

Efficiency Ratio

45.54%

Rank 43 of 629

Equity / Assets

20.10%

Rank 81 of 629

Non-interest income vs. expense

$344K$816KINCOMEEXPENSE
Unfavorable gap of $472K · efficiency ratio beats 93% of banks under $1B in assets
Bank 45.54%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.53%0.60%1.01%1.45%Beats 78%139 / 629
Return on Equity7.61%5.38%9.30%13.28%Beats 36%401 / 629
Net Interest Margin3.07%3.03%3.54%4.05%Beats 27%462 / 629
Efficiency Ratio45.54%58.35%67.79%79.08%Beats 93%43 / 629
Asset Quality
Nonperforming Loans / Loans1.16%0.09%0.46%1.20%Beats 26%430 / 581
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 55%267 / 581
Capital
Tier 1 Capital Ratio69.56%11.24%13.84%18.77%Beats 93%46 / 629
Total Risk-Based Capital Ratio70.82%11.58%14.43%19.66%Beats 93%46 / 629
Equity / Assets20.10%9.09%10.65%13.80%Beats 87%81 / 629
Liquidity & Funding
Loans / Deposits41.60%67.24%80.90%93.48%7th pctl553 / 594
Loans / Assets33.08%53.31%67.71%78.15%12th pctl553 / 629
Brokered Deposits / Depositsn/aNot reported for this institution