The First National Bank of McIntosh: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Total risk-based capital ratio: 1.91 percentage points higher than in Q1 2026, at 70.82%. The First National Bank of McIntosh has the highest CET1 ratio of the 161 banks headquartered in Minnesota, 69.56% as of Q2 2026. Against a median of 19.50% for banks in the < $100M asset tier, The First National Bank of McIntosh reported 69.56% on CET1 ratio in Q2 2026, 50.06 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 69.56% |
| Tier 1 risk-based capital ratio | 69.56% |
| Total risk-based capital ratio | 70.82% |
| Tier 1 leverage ratio | 20.20% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $9.5M |
| Tier 1 capital | $9.5M |
| Total risk-based capital | $9.7M |
| Total equity capital | $9.5M |
| Risk-weighted assets | $13.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 20.10% |
| Tangible equity to tangible assets | 20.10% |
| Equity capital to average assets | 20.04% |
| Internal capital growth rate | 9.24% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $39K |
| Common stock surplus | $150K |
| Retained earnings | $9.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$79K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 55.45% | 55.45% | 56.70% | 22.33% | $13.9M |
| Q4 2023 | 54.34% | 54.34% | 55.60% | 22.34% | $14.4M |
| Q1 2024 | 52.24% | 52.24% | 53.50% | 22.38% | $15.1M |
| Q2 2024 | 53.94% | 53.94% | 55.19% | 22.22% | $15.0M |
| Q3 2024 | 55.21% | 55.21% | 56.47% | 22.70% | $15.0M |
| Q4 2024 | 60.83% | 60.83% | 62.08% | 23.10% | $13.9M |
| Q1 2025 | 58.85% | 58.85% | 60.10% | 22.55% | $14.6M |
| Q2 2025 | 63.01% | 63.01% | 64.27% | 21.93% | $13.9M |
| Q3 2025 | 63.32% | 63.32% | 64.58% | 21.90% | $14.1M |
| Q4 2025 | 68.28% | 68.28% | 69.54% | 21.45% | $13.4M |
| Q1 2026 | 67.66% | 67.66% | 68.91% | 20.24% | $13.8M |
| Q2 2026 | 69.56% | 69.56% | 70.82% | 20.20% | $13.7M |
The First National Bank of McIntosh regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of McIntosh, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The First National Bank of McIntosh profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5196) · FFIEC NIC profile (RSSD 988256)