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McIntosh County Bank

$100M-$1B Specialty: Agricultural ND FDIC cert 13794

Ashley, ND

2 branches across ND

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 34 in ND.
  • Deposits +7.7% year over year ($105.9M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.61%.
  • Efficiency ratio 56.42% vs a 64.48% peer average.
  • Loan-to-deposit ratio 58.35% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 34 in ND
View $100M-$1B leaderboard (ND) →

McIntosh County Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.29% above tier average
  • + Efficiency Ratio 8.06% below tier average
  • + Delinquency Rate 0.92% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 68.7% in tier
  • - Net Interest Margin 0.38% below tier average
Get updates when McIntosh County Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Total Assets ? $118.7M
+5.1% YoY -2.0% QoQ
-$267.9M $386.6M
+1.2% YoY
$1.1B
+6.9% YoY
$6.3B
+7.7% YoY
Bottom 5.3% in tier
Total Loans ? $61.8M
-3.8% YoY +4.3% QoQ
-$196.5M $258.3M
+1.7% YoY
$805.2M
+6.2% YoY
$3.2B
+9.4% YoY
Bottom 5.0% in tier
Total Deposits ? $105.9M
+7.7% YoY -0.8% QoQ
-$220.8M $326.7M
+0.7% YoY
$922.2M
+5.0% YoY
$4.9B
+7.3% YoY
Bottom 7.4% in tier
Return on Assets ? 1.61%
-8.4% YoY -3.6% QoQ
+0.29% 1.32%
+10.8% YoY
1.44%
+8.8% YoY
1.30%
+12.1% YoY
71%
Net Interest Margin ? 3.61%
-8.4% YoY +0.1% QoQ
-0.38% 3.99%
+5.0% YoY
3.79%
+4.3% YoY
3.95%
+4.9% YoY
33%
Efficiency Ratio ? 56.42%
+2.1% YoY +2.7% QoQ
-8.06% 64.48%
-3.2% YoY
59.23%
-3.7% YoY
70.05%
+2.5% YoY
68%
Delinquency Rate ? 0.00%
-97.7% YoY -52.1% QoQ
-0.92% 0.92%
+15.7% YoY
0.86%
+16.6% YoY
0.98%
+16.3% YoY
Top 12.1% in tier
Loan-to-Deposit Ratio ? 58.35%
-10.7% YoY +5.2% QoQ
-19.60% 77.95%
+1.0% YoY
73.82%
-0.7% YoY
79.03%
+2.3% YoY
85%
Non-Interest-Bearing Deposit Share ? 19.46%
-3.9% YoY -5.7% QoQ
-2.57% 22.03%
-0.6% YoY
21.56%
+2.8% YoY
21.98%
-0.6% YoY
43%
Nonperforming Asset Ratio ? 0.00%
-97.9% YoY -49.0% QoQ
-0.67% 0.67%
+16.4% YoY
0.54%
+8.1% YoY
0.69%
+15.8% YoY
Top 11.0% in tier
Tier 1 Capital Ratio ? 11.01%
-29.5% YoY -20.4% QoQ
-4.90% 15.91%
+1.4% YoY
12.90%
+0.7% YoY
17.09%
+0.8% YoY
24%
Non-Interest Income / Assets ? 0.14%
+9.7% YoY +91.4% QoQ
-0.43% 0.57%
+7.6% YoY
0.22%
-1.4% YoY
0.66%
+5.2% YoY
31%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Noninterest-Bearing 19.5%
-0.8pp YoY
-1.2pp QoQ
 -2.7pp 22.1% 21.6% 22.2% 43%
Brokered Deposits n/a n/a 7.9% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
C&I 6.9%
-1.0pp YoY
+0.1pp QoQ
 -4.7pp 11.6% 12.9% 12.5% 32%
CRE n/a n/a 39.5% 29.0% 41.4% n/a
1-4 Family 0.1%
0.0pp YoY
0.0pp QoQ
 -32.6pp 32.6% 12.3% 31.3% 0%
Consumer 4.5%
+1.4pp YoY
+1.5pp QoQ
 +0.4pp 4.1% 4.5% 5.0% 74%

Capital

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.3% 19.7% n/a
Leverage Ratio 11.0%
-0.5pp YoY
-0.1pp QoQ
 -1.2pp 12.2% 10.7% 12.6% 50%
Total Capital Ratio n/a n/a 19.9% 16.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Full-Time Employees 13
+1 (+8.3%) YoY
+1 (+8.3%) QoQ
 -46 58 138 482 2%
Assets per Employee ($) $9.1M
-2.9% YoY
-9.6% QoQ
 +$1.6M $7.5M $8.3M $8.8M 80%
Branch Count 2
0 YoY
0 QoQ
 -3 4 7 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.5% 0.4% n/a
Nonaccrual 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.7% 1.0% 0%
Allowance Coverage 1544.00x
+3965.5% YoY
+105.0% QoQ
 +1519.85x 24.15x 73.79x 20.23x 100%
Net Charge-off Rate (YTD) -0.0%
+0.3pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 8%

Profitability

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
ROE 17.2%
-2.9pp YoY
-0.9pp QoQ
 +5.0pp 12.2% 16.0% 11.6% 78%
Cost of Funds (YTD) 1.5%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.7% 1.7% 37%
Net Income ($, YTD) $950,000
-3.7% YoY
— QoQ
 -$1.6M $2.6M $7.0M $40.4M 25%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Margin Compression

decline
#212 of 307 • Bottom 68.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.61%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

293
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#293 of 2643 Top 11.0% in $100M-$1B
320
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#320 of 2633 Top 12.1% in $100M-$1B
403
Loan-to-Deposit Ratio
liquidity
Value: 58.35%
Peer Median: 77.95%
#403 of 2643 Top 15.2% in $100M-$1B

Top Weaknesses (4 metrics)

2512
Total Loans
size
Value: $61.82M
Peer Median: $258.35M
#2512 of 2643 Bottom 5.0% in $100M-$1B
2505
Total Assets
size
Value: $118.71M
Peer Median: $386.57M
#2505 of 2643 Bottom 5.3% in $100M-$1B
2448
Total Deposits
size
Value: $105.94M
Peer Median: $326.73M
#2448 of 2643 Bottom 7.4% in $100M-$1B
2022
Tier 1 Capital Ratio
capital
Value: 11.01%
Peer Median: 15.91%
#2022 of 2643 Bottom 23.5% in $100M-$1B
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