FIRST NATIONAL BANK OF MCINTOSH, THE

MCINTOSH, MN | Micro | Est. Aug. 22, 1889, midnight | FDIC #5196 | RSSD #988256 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF MCINTOSH, THE is amn micro FDIC-insured commercial bank headquartered in MCINTOSH, MN, established in Aug. 22, 1889, midnight. As of 2025-12-31, the bank reported total assets of $44M and total deposits of $34M. Profitability stands at 1.78% ROA and 8.24% ROE, with a net interest margin of 3.54%. The bank's CET1 capital ratio is 68.28%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.22% and a Texas Ratio of 0.35%. FDIC Certificate #5196.

Assets

$44M

Deposits

$34M

Loans

$15M

Equity

$9M

Profitability

Return on Assets (ROA) 1.78%
Return on Equity (ROE) 8.24%
Net Interest Margin (NIM) 3.54%
Yield on Assets 5.34%
Cost of Funds 2.74%

Asset Quality

NPL Ratio 0.22%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.35%
NPA Ratio 0.08%
ACL / Loans 1.95%

Capital & Liquidity

CET1 Ratio 68.28%
Tier 1 Capital 68.28%
Total Capital Ratio 69.54%
Leverage Ratio 21.45%
Loan-to-Deposit 44.64%

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