McIntosh County Bank
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Data as of · sourced from FFIEC call reports. How we update
McIntosh County Bank is an FDIC-insured commercial bank headquartered in Ashley, ND, established in 1911 (FDIC certificate 13794), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $118.7M, up 5.1% from Q2 2025, the 44th largest of 60 banks headquartered in North Dakota. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.01% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13794
- Headquarters
- Ashley, ND
- Established
- 1911
- Total assets, Q2 2026
- $118.7M
- Assets vs Q2 2025
- +5.1%
- Tier 1 leverage ratio, Q2 2026
- 11.01%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 091307275
- Latest call report
- Q2 2026, FFIEC 051 · McIntosh County Bank call report
- Holding company
- MCINTOSH COUNTY BANK HOLDING COMPANY, INC.
- Asset rank in state
- 44th of 60 in North Dakota
McIntosh County Bank, based in Ashley, North Dakota, reported $119 million in assets at June 30, 2026, up 5.1% from a year earlier. It shrank its loan book 4.0% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Loans and deposits moved in opposite directions: over the year loans fell 4.0% and deposits rose 7.7%. Paper losses on its bond portfolio are shrinking: unrealized losses of $2.1 million equal 16% of Tier 1 capital, down from 23% a year earlier.
As of June 30, 2026, McIntosh County Bank reported a return on assets of 1.49%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.01%. The figures come from its call report filed with the FFIEC.
McIntosh County Bank ranks as the 44th largest of the 60 banks based in North Dakota, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.0% to $118.7M, loans rose 4.3% and deposits fell 0.8%. Its loan book on June 30, 2026 was led by agricultural production loans, at 63.0% of total loans, followed by farmland and other real estate loans at 16.5%. The FDIC Summary of Deposits lists 2 offices for it, in Ashley, ND and Zeeland, ND; its Ashley office books 87% of its branch deposits. On its Q2 2026 call report, McIntosh County Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 204 W Main St, Ashley, ND 58413
- County
- Mcintosh
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1911
- Former names
- Farmers State Bank of Zeeland (1936-1940)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 13
- Domestic deposits
- $105.9M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- -$8K
- Average total assets
- $122.8M
- Average total loans
- $62.6M
- Average interest-bearing deposits
- $87.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13794
- Fed RSSD
- 720858
- Website
- www.makeitmcb.com →
- Parent Holding Company
- MCINTOSH COUNTY BANK HOLDING COMPANY, INC. (RSSD 1143678)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, McIntosh County Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
McIntosh County Bank's total assets moved between a low of $110.7M (Q4 2024) and a high of $121.2M (Q1 2026) from Q3 2023 to 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
$118.7M total assets against $112.9M; $107.3M total liabilities against $102.5M.
$61.8M net loans and leases against $64.3M; $105.9M total deposits against $98.3M.
$41.4M securities against $36.9M; $11.3M cash and balances due against $7.4M.
$1.4M total interest income against $1.5M; $426K total interest expense against $431K.
$1.0M net interest income against $1.0M.
$77K total noninterest income against $62K; $631K total noninterest expense against $593K.
No provision recorded in the last 12 quarters.
$459K net income against $503K.
1.49% return on assets against 1.72%; 3.54% net interest margin against 3.74%.
11.01% tier 1 leverage ratio against 11.49%.
Inside the full McIntosh County Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMcIntosh County Bank rankings
Its closest position to the top of a national ranking is 1,322 of 3,611, for ROA; its furthest is 3,337 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.10% (Q4 2024) to 1.82% (Q3 2024) and its net interest margin ran from 3.54% (Q2 2026) to 3.86% (Q1 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.01% | 1.49% | 0.00% | 0.01% | 3.54% |
| Q1 2026 | 11.12% | 1.67% | 0.00% | 0.02% | 3.68% |
| Q4 2025 | 10.69% | 1.34% | 0.04% | 0.21% | 3.60% |
| Q3 2025 | 11.93% | 1.72% | 0.03% | 0.18% | 3.81% |
| Q2 2025 | 11.49% | 1.72% | 0.07% | 0.38% | 3.74% |
| Q1 2025 | 11.37% | 1.70% | 0.07% | 0.40% | 3.86% |
| Q4 2024 | 11.11% | 1.10% | 0.02% | 0.13% | 3.71% |
| Q3 2024 | 11.64% | 1.82% | 0.02% | 0.13% | 3.64% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → 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 |
|---|---|---|---|
| McIntosh County Bank (main office) | Ashley , ND | 58413 | $92.5M |
| Zeeland Branch | Zeeland , ND | 58581 | $13.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in ND, rank 50 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $305K approved, $153K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 McIntosh County Bank
What are McIntosh County Bank's total assets?
As of the Q2 2026 filing, McIntosh County Bank reported total assets of $118.7 million in its FFIEC call report.
Where is McIntosh County Bank headquartered?
It is headquartered in Ashley, ND, United States.
When was McIntosh County Bank founded?
It was established in 1911, per the FDIC institution directory.
Is McIntosh County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13794). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates McIntosh County Bank?
McIntosh County Bank's primary federal regulator is the FDIC.
How many branches does McIntosh County Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is McIntosh County Bank's Texas Ratio?
Its Texas Ratio is 0.01% 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.
What was McIntosh County Bank previously called?
The charter now named McIntosh County Bank has also operated as Farmers State Bank of Zeeland (1936-1940), per FDIC structure-change records.
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