The First National Bank of McIntosh: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Consumer: 0.80 percentage points higher than in Q1 2026, at 11.79%. The First National Bank of McIntosh has the 12th lowest loan-to-deposit ratio of the 221 banks headquartered in Minnesota, at 41.60% as of Q2 2026. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The First National Bank of McIntosh sits 26.02 points lower, at 41.60% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $15.6M |
| Net loans and leases | $15.2M |
| Loans held for sale | $0 |
| Loans to total assets | 33.08% |
| Loan-to-deposit ratio | 41.60% |
| Net loans to equity capital | 1.61% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.19% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.85% |
| Consumer | 11.79% |
| Credit cards | 0.00% |
| Farm | 27.81% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 4.41% |
| Construction concentration (Tier 1 capital + allowance) | 1.38% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.21% |
| Interest income on loans | $241K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $15.3M | $26.6M | 10.81% | 13.34% | 12.36% |
| Q4 2023 | $16.1M | $26.5M | 10.56% | 11.14% | 12.56% |
| Q1 2024 | $16.9M | $28.1M | 9.85% | 11.07% | 12.38% |
| Q2 2024 | $16.9M | $28.2M | 8.97% | 10.86% | 11.87% |
| Q3 2024 | $16.8M | $27.6M | 9.36% | 10.58% | 11.54% |
| Q4 2024 | $15.7M | $28.9M | 10.99% | 10.99% | 11.39% |
| Q1 2025 | $16.1M | $30.2M | 11.83% | 10.52% | 11.30% |
| Q2 2025 | $15.6M | $31.3M | 13.72% | 7.85% | 11.98% |
| Q3 2025 | $16.1M | $31.8M | 11.72% | 7.06% | 11.84% |
| Q4 2025 | $15.4M | $34.4M | 12.88% | 6.96% | 11.69% |
| Q1 2026 | $15.6M | $36.9M | 15.67% | 6.74% | 10.99% |
| Q2 2026 | $15.6M | $37.4M | 15.19% | 6.85% | 11.79% |
The First National Bank of McIntosh loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of McIntosh, freeSource: Call Report Schedule RC-C, 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)