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
Unfavorable gap of $472K · efficiency ratio beats 93% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.53% | 0.60% | 1.01% | 1.45% | Beats 78% | 139 / 629 | | |
| Return on Equity | 7.61% | 5.38% | 9.30% | 13.28% | Beats 36% | 401 / 629 | | |
| Net Interest Margin | 3.07% | 3.03% | 3.54% | 4.05% | Beats 27% | 462 / 629 | | |
| Efficiency Ratio | 45.54% | 58.35% | 67.79% | 79.08% | Beats 93% | 43 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.16% | 0.09% | 0.46% | 1.20% | Beats 26% | 430 / 581 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 55% | 267 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 69.56% | 11.24% | 13.84% | 18.77% | Beats 93% | 46 / 629 | | |
| Total Risk-Based Capital Ratio | 70.82% | 11.58% | 14.43% | 19.66% | Beats 93% | 46 / 629 | | |
| Equity / Assets | 20.10% | 9.09% | 10.65% | 13.80% | Beats 87% | 81 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 41.60% | 67.24% | 80.90% | 93.48% | 7th pctl | 553 / 594 | | |
| Loans / Assets | 33.08% | 53.31% | 67.71% | 78.15% | 12th pctl | 553 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |