McIntosh, MN · Cert 5196
National charter · OCC · 1 branch
Q2 2026
Market Position · Grand Forks, ND-MN · 2026 SOD (annual) · 1.0% share · #17 of 21 inst. · $0.0B of $3.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.87% | 1.46% | 1.42% | 1.48% | 1.58% | 1.41% | 1.42% | 1.72% | +23 bps | |
| Return on Equity | 8.24% | 6.38% | 6.34% | 6.74% | 7.20% | 6.50% | 6.86% | 8.53% | +179 bps | |
| Net Interest Margin | 3.65% | 3.67% | 3.34% | 3.18% | 3.33% | 3.25% | 3.13% | 3.09% | -10 bps | |
| Efficiency Ratio | 46.12% | 55.13% | 51.30% | 45.55% | 46.08% | 48.74% | 50.11% | 41.18% | -438 bps | |
| Non-Interest Burden | 1.29% | 1.76% | 1.38% | 1.16% | 1.17% | 1.33% | 1.23% | 0.80% | -36 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 / Loans | 0.08% | 0.32% | 2.47% | 2.19% | 0.19% | 0.25% | 1.13% | 1.16% | -103 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.05% | 0.00% | 0.03% | 0.00% | 0 bps | |
| Allowance / Loans | 1.47% | 1.60% | 1.66% | 1.81% | 1.83% | 1.95% | 2.01% | 2.12% | +31 bps | |
| Allowance Coverage of NPLs | 19.0x | 4.9x | 0.7x | 0.8x | 9.5x | 7.9x | 1.8x | 1.8x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 22.70% | 23.10% | 22.55% | 21.93% | 21.90% | 21.45% | 20.24% | 20.20% | -172 bps | |
| Total Risk-Based Capital | 56.47% | 62.08% | 60.10% | 64.27% | 64.58% | 69.54% | 68.91% | 70.82% | +655 bps | |
| Equity / Assets | 23.11% | 22.63% | 22.10% | 21.94% | 22.08% | 21.19% | 20.10% | 20.10% | -184 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.74% | 54.55% | 53.26% | 49.97% | 50.59% | 44.64% | 42.32% | 41.60% | -837 bps | |
| Liquid Assets / Assets | 31.09% | 37.05% | 9.94% | 17.88% | 8.83% | 16.46% | 25.29% | 22.38% | +451 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 22.60% | 23.19% | 27.71% | n/a | n/a | |