The First National Bank of McIntosh
Also written as FNB of McIntosh
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of McIntosh is an FDIC-insured commercial bank headquartered in McIntosh, MN, established in 1889 (FDIC certificate 5196), and it is supervised by the OCC. At Q2 2026 it reported total assets of $47.0M, up 16.7% from Q2 2025, the 205th largest of 221 banks headquartered in Minnesota.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5196
- Headquarters
- McIntosh, MN
- Established
- 1889
- Total assets, Q2 2026
- $47.0M
- Assets vs Q2 2025
- +16.7%
- Capital ratio
- Not reported
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091204569
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of McIntosh call report
- Asset rank in state
- 205th of 221 in Minnesota
The First National Bank of McIntosh runs leaner than most banks of its size. Based in Mcintosh, Minnesota, it had $47 million in assets at June 30, 2026, up 16.7% from a year earlier. It spends about 41 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 533 banks with less than $100 million in assets (median 69 cents). It also holds common equity equal to 69.56% of its risk-weighted assets, about triple the median of 20.80% for banks its size.
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 1.16% of loans from 2.19%. Loans and deposits moved in opposite directions: over the year loans fell 0.4% and deposits rose 19.6%. Its margin is thin by comparison: it keeps 3.12 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.91 cents).
As of June 30, 2026, The First National Bank of McIntosh reported a CET1 capital ratio of 69.56%, a return on assets of 1.82%, a nonperforming-loan ratio of 1.16% and a Texas ratio of 1.84%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The First National Bank of McIntosh is the 205th largest of the 221 banks headquartered in Minnesota. From Q1 2026 to Q2 2026, its total assets rose 1.5% to $47.0M, loans fell 0.3% and deposits rose 1.4%. 1-4 family residential loans made up 32.3% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 27.8%. The FDIC Summary of Deposits lists a single office for it, in Mcintosh, MN. Judged on its Q2 2026 call report, The First National Bank of McIntosh meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 260 Cleveland Ave Sw, McIntosh, MN 56556
- County
- Polk
- Metro Area
- Grand Forks, ND-MN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 22, 1889
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 6
- Domestic deposits
- $37.4M
- Allowance for credit losses
- $329K
- Net charge-offs (YTD)
- $1K
- Average total assets
- $47.2M
- Average total loans
- $15.5M
- Average interest-bearing deposits
- $29.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5196
- Fed RSSD
- 988256
- Website
- www.fnbmcintosh.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The First National Bank of McIntosh's total assets ranged from $34.4M (Q3 2023) to $47.0M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$47.0M total assets against $40.3M; $37.6M total liabilities against $31.4M.
$15.2M net loans and leases against $15.3M; $37.4M total deposits against $31.3M.
$20.2M securities against $16.4M; $11.1M cash and balances due against $8.2M.
$546K total interest income against $490K; $182K total interest expense against $172K.
$364K net interest income against $318K.
$95K total noninterest income against $53K; $189K total noninterest expense against $169K.
$15K provision for credit losses against $15K.
$215K net income against $151K.
1.82% return on assets against 1.51%; 3.12% net interest margin against 3.28%.
69.56% CET1 capital ratio against 63.01%; 20.20% tier 1 leverage ratio against 21.93%.
Inside the full The First National Bank of McIntosh terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.51% (Q2 2025) to 2.17% (Q3 2024) and its net interest margin ran from 3.12% (Q2 2026) to 3.74% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 69.56% | 1.82% | 1.16% | 1.84% | 3.12% |
| Q1 2026 | 67.66% | 1.54% | 1.13% | 1.95% | 3.19% |
| Q4 2025 | 68.28% | 1.77% | 0.25% | 0.40% | 3.32% |
| Q3 2025 | 63.32% | 1.83% | 0.19% | 0.33% | 3.41% |
| Q2 2025 | 63.01% | 1.51% | 2.19% | 3.75% | 3.28% |
| Q1 2025 | 58.85% | 1.56% | 2.47% | 4.47% | 3.40% |
| Q4 2024 | 60.83% | 1.86% | 0.32% | 0.58% | 3.70% |
| Q3 2024 | 55.21% | 2.17% | 0.08% | 0.15% | 3.74% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Mcintosh | Mcintosh , MN | 56556 | $37.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 257 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The First National Bank of McIntosh
What are The First National Bank of McIntosh's total assets?
As of the Q2 2026 filing, The First National Bank of McIntosh reported total assets of $47.0 million in its FFIEC call report.
Where is The First National Bank of McIntosh headquartered?
It is headquartered in McIntosh, MN, United States.
When was The First National Bank of McIntosh founded?
It was established in 1889, per the FDIC institution directory.
Is The First National Bank of McIntosh FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5196). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of McIntosh?
The First National Bank of McIntosh's primary federal regulator is the OCC.
What is The First National Bank of McIntosh's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 69.56% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First National Bank of McIntosh operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of McIntosh's Texas Ratio?
Its Texas Ratio is 1.84% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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