The First National Bank of McIntosh: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 2044.66 percentage points lower than in Q1 2026, at 198.19%. The First National Bank of McIntosh ranks 51st of 221 Minnesota banks on return on assets, in the upper half at 1.82% (Q2 2026). The First National Bank of McIntosh's return on assets of 1.82% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 0.84 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 69.56% |
| Tier 1 risk-based capital ratio | 69.56% |
| Total risk-based capital ratio | 70.82% |
| Tier 1 leverage ratio | 20.20% |
| Equity capital to assets | 20.10% |
| Tangible equity to tangible assets | 20.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.07% |
| Non-performing assets ratio | 0.35% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.84% |
| Allowance for credit losses to loans | 2.12% |
| Reserve coverage of non-performing loans | 198.19% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.82% |
| Return on equity | 9.17% |
| Net interest margin | 3.12% |
| Efficiency ratio | 41.18% |
| Yield on earning assets | 4.68% |
| Cost of funds | 1.97% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 41.60% |
| Core deposits to total deposits | 89.69% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.50% |
| Securities to assets | 42.98% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 55.45% | 55.45% | 56.70% | 22.33% | 1.68% |
| Q4 2023 | 54.34% | 54.34% | 55.60% | 22.34% | 1.63% |
| Q1 2024 | 52.24% | 52.24% | 53.50% | 22.38% | 0.30% |
| Q2 2024 | 53.94% | 53.94% | 55.19% | 22.22% | 2.45% |
| Q3 2024 | 55.21% | 55.21% | 56.47% | 22.70% | 2.17% |
| Q4 2024 | 60.83% | 60.83% | 62.08% | 23.10% | 1.86% |
| Q1 2025 | 58.85% | 58.85% | 60.10% | 22.55% | 1.56% |
| Q2 2025 | 63.01% | 63.01% | 64.27% | 21.93% | 1.51% |
| Q3 2025 | 63.32% | 63.32% | 64.58% | 21.90% | 1.83% |
| Q4 2025 | 68.28% | 68.28% | 69.54% | 21.45% | 1.77% |
| Q1 2026 | 67.66% | 67.66% | 68.91% | 20.24% | 1.54% |
| Q2 2026 | 69.56% | 69.56% | 70.82% | 20.20% | 1.82% |
The First National Bank of McIntosh vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of McIntosh, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)