McIntosh County Bank: 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 Loans to total assets: 3.23 percentage points higher than in Q1 2026, at 53.38%. Within North Dakota, McIntosh County Bank is 43rd of 60 on loan-to-deposit ratio, 59.81% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. McIntosh County Bank sits 21.03 points lower, at 59.81% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $63.4M |
| Net loans and leases | $61.8M |
| Loans held for sale | $0 |
| Loans to total assets | 53.38% |
| Loan-to-deposit ratio | 59.81% |
| Net loans to equity capital | 5.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.93% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.73% |
| Consumer | 4.44% |
| Credit cards | 0.37% |
| Farm | 16.54% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.27% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 34.51% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.63% |
| Interest income on loans | $1.0M |
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 | $65.8M | $90.6M | 9.31% | 8.24% | 2.62% |
| Q4 2023 | $67.4M | $92.1M | 8.78% | 8.65% | 2.71% |
| Q1 2024 | $66.5M | $98.7M | 9.21% | 8.55% | 2.71% |
| Q2 2024 | $63.9M | $99.9M | 9.50% | 8.83% | 2.93% |
| Q3 2024 | $65.8M | $94.1M | 9.04% | 8.33% | 3.72% |
| Q4 2024 | $67.0M | $91.6M | 8.93% | 9.90% | 3.25% |
| Q1 2025 | $65.3M | $97.7M | 9.54% | 8.26% | 3.18% |
| Q2 2025 | $66.0M | $98.3M | 9.08% | 7.64% | 3.09% |
| Q3 2025 | $70.4M | $99.8M | 8.41% | 7.12% | 2.74% |
| Q4 2025 | $67.7M | $98.9M | 8.53% | 7.39% | 2.92% |
| Q1 2026 | $60.8M | $106.8M | 9.41% | 6.63% | 3.00% |
| Q2 2026 | $63.4M | $105.9M | 8.93% | 6.73% | 4.44% |
McIntosh County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock McIntosh County Bank, 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 McIntosh County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13794) · FFIEC NIC profile (RSSD 720858)