McIntosh County Bank: 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.
Reserve coverage of non-performing loans climbed 19.17 percentage points in Q2 2026, from 646.35% to 665.52%. It was the largest change from Q1 2026 among the key lines here. Within North Dakota, McIntosh County Bank is 28th of 60 on return on assets, 1.49% as of Q2 2026, above the middle of the field. McIntosh County Bank reported 1.49% on return on assets for Q2 2026, 0.24 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.01% |
| Equity capital to assets | 9.58% |
| Tangible equity to tangible assets | 9.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.37% |
| Non-performing assets ratio | 0.20% |
| Net charge-off ratio | -0.04% |
| Texas ratio | 1.80% |
| Allowance for credit losses to loans | 2.44% |
| Reserve coverage of non-performing loans | 665.52% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.49% |
| Return on equity | 16.31% |
| Net interest margin | 3.54% |
| Efficiency ratio | 56.34% |
| Yield on earning assets | 4.99% |
| Cost of funds | 1.57% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.81% |
| Core deposits to total deposits | 90.39% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.24% |
| Securities to assets | 34.90% |
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 | 15.00% | 15.00% | 16.26% | 11.31% | 1.75% |
| Q4 2023 | 13.83% | 13.83% | 15.09% | 10.70% | 1.33% |
| Q1 2024 | 13.76% | 13.76% | 15.02% | 10.87% | 1.54% |
| Q2 2024 | 15.13% | 15.13% | 16.38% | 10.93% | 1.72% |
| Q3 2024 | 15.90% | 15.90% | 17.16% | 11.64% | 1.82% |
| Q4 2024 | 14.83% | 14.83% | 16.08% | 11.11% | 1.10% |
| Q1 2025 | 14.69% | 14.69% | 15.95% | 11.37% | 1.70% |
| Q2 2025 | 15.62% | 15.62% | 16.88% | 11.49% | 1.72% |
| Q3 2025 | — | — | — | 11.93% | 1.72% |
| Q4 2025 | 14.85% | 14.85% | 16.10% | 10.69% | 1.34% |
| Q1 2026 | 13.83% | 13.83% | 15.09% | 11.12% | 1.67% |
| Q2 2026 | — | — | — | 11.01% | 1.49% |
McIntosh County Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock McIntosh County Bank, 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 McIntosh County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13794) · FFIEC NIC profile (RSSD 720858)