The First National Bank of McIntosh: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First National Bank of McIntosh of McIntosh, MN against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.82% | 3.14% | -1.32% | 79th top |
| ROAE Behind the peer average, ahead of the median peer. | 9.17% | 10.42% | -1.25% | 54th above |
| Net Interest Margin | 3.12% | 3.93% | -0.81% | 17th bottom |
| Efficiency Ratio | 41.18% | 76.35% | -35.17% | 95th top |
| PPNR / Avg Assets | 2.29% | 1.40% | +0.89% | 87th top |
| Yield on Earning Assets | 4.68% | 5.35% | -0.67% | 28th below |
| Cost of Funds | 1.97% | 1.70% | +0.27% | 30th below |
| Net Interest Spread | 2.24% | 3.31% | -1.07% | 13th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 1.07% | 1.34% | -0.27% | 29th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.35% | 0.71% | -0.36% | 38th below |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 2.12% | 1.49% | +0.63% | 84th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 198.19% | 865.43% | -667.24% | 58th above |
| Texas Ratio | 1.84% | 8.26% | -6.42% | 53rd above |
| Provision / NCO | 3000.00% | 305.88% | +2694.12% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 69.56% | 61.84% | +7.72% | 83rd top |
| Tier 1 Ratio | 69.56% | 61.84% | +7.72% | 83rd top |
| Total Capital Ratio | 70.82% | 62.81% | +8.01% | 83rd top |
| Leverage Ratio | 20.20% | 17.60% | +2.60% | 80th top |
| Equity / Assets | 20.10% | 16.42% | +3.68% | 80th top |
| TCE / Tangible Assets | 20.10% | 16.17% | +3.93% | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 41.60% | 72.87% | -31.27% | 82nd top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 89.69% | 88.21% | +1.48% | 40th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 16.72% | 4.29% | +12.43% | 94th top |
| Loan Growth (Y/Y) | -0.45% | 6.73% | -7.18% | 39th below |
| Deposit Growth (Y/Y) | 19.58% | 3.75% | +15.83% | 96th top |
See The First National Bank of McIntosh's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of McIntosh, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The First National Bank of McIntosh profile, how to read a UBPR, or how this data updates.