BanksFIRST NATIONAL BANK OF MCINTOSH, THE

FIRST NATIONAL BANK OF MCINTOSH, THE

MCINTOSH, MNMicroEst. Aug. 22, 1889, midnightFDIC #5196RSSD #988256OCC
Latest · 2025-12-31

FIRST NATIONAL BANK OF MCINTOSH, THE is an 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%. CET1 capital ratio: 68.28%, well above regulatory minimums. NPL ratio: 0.22% · Texas Ratio: 0.35%. Operates 1 domestic branch.

Assets
$44M
Deposits
$34M
Loans
$15M
Equity
$9M

Profitability

Return on Assets (ROA)1.78%
Return on Equity (ROE)8.24%
Net Interest Margin3.54%
Yield on Assets5.34%
Cost of Funds2.11%

Asset Quality

NPL Ratio0.22%
Net Charge-Off Ratio0.01%
Texas Ratio0.35%
NPA Ratio0.08%
ACL / Loans1.95%

Capital & Liquidity

CET1 Ratio68.28%
Tier 1 Capital68.28%
Total Capital Ratio69.54%
Leverage Ratio21.45%
Loan-to-Deposit44.64%

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