Bank Comparison
Grant County State Bank vs The First National Bank of McIntosh
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 4
winning metrics across 13 scored rows (1 tied)
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Capital adequacy
| Metric | Grant County State Bank | The First National Bank of McIntosh |
|---|---|---|
| CET1 Ratio | — | 69.56% |
| Tier 1 Capital Ratio | — | 69.56% |
| Total Capital Ratio | — | 70.82% |
| Tier 1 Leverage Ratio | 13.90% | 20.20% |
| Equity / Assets | 14.05% | 20.10% |
Profitability
| Metric | Grant County State Bank | The First National Bank of McIntosh |
|---|---|---|
| Return on Assets (ROA) | 1.81% | 1.82% |
| Return on Equity (ROE) | 13.14% | 9.17% |
| Net Interest Margin (NIM) | 4.27% | 3.12% |
| Yield on Earning Assets | 5.53% | 4.68% |
| Cost of Funds | 1.41% | 1.97% |
Asset quality
| Metric | Grant County State Bank | The First National Bank of McIntosh |
|---|---|---|
| Texas Ratio | 0.00% | 1.84% |
| Non-Performing Loan Ratio | 0.00% | 1.07% |
| Non-Performing Asset Ratio | 0.00% | 0.35% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.82% | 2.12% |
Balance sheet
| Metric | Grant County State Bank | The First National Bank of McIntosh |
|---|---|---|
| Total Assets | $46.7M | $47.0M |
| Total Deposits | $40.1M | $37.4M |
| Total Loans | $27.5M | $15.6M |
| Total Equity | $6.6M | $9.5M |
| Net Income (quarter) | $214K | $215K |
Liquidity & funding
| Metric | Grant County State Bank | The First National Bank of McIntosh |
|---|---|---|
| Loan-to-Deposit Ratio | 68.57% | 41.60% |
| Core Deposit Ratio | 96.27% | 89.69% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Grant County State Bank | The First National Bank of McIntosh |
|---|---|---|
| Headquarters City | Carson | McIntosh |
| Headquarters State | ND | MN |
| Asset Tier | under $100M in assets | under $100M in assets |
| Regulator | FDIC | OCC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 6 | 6 |
| Established | August 29, 1913 | August 22, 1889 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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