BlastPoint's Banking Scorecard
McIntosh County Bank
Ashley, ND
2 branches across ND
McIntosh County Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.40% above tier average
- + Efficiency Ratio 10.33% below tier average
- + Delinquency Rate 0.88% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.33% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$121.2M
+7.4% YoY
+6.6% QoQ
|
-$264.9M |
$386.1M
+0.5% YoY
|
$1.1B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 6.3% in tier |
| Total Loans ? |
$59.3M
-6.8% YoY
-10.3% QoQ
|
-$196.5M |
$255.7M
+1.1% YoY
|
$779.7M
+5.6% YoY
|
$3.2B
+10.8% YoY
|
Bottom 4.8% in tier |
| Total Deposits ? |
$106.8M
+9.3% YoY
+8.0% QoQ
|
-$221.2M |
$328.0M
+0.1% YoY
|
$930.6M
+2.8% YoY
|
$4.8B
+8.2% YoY
|
Bottom 7.6% in tier |
| Return on Assets ? |
1.67%
-3.4% YoY
+0.6% QoQ
|
+0.40% |
1.27%
+12.9% YoY
|
1.38%
+15.2% YoY
|
1.23%
+13.4% YoY
|
76% |
| Net Interest Margin ? |
3.60%
-9.5% YoY
-6.6% QoQ
|
-0.33% |
3.93%
+6.0% YoY
|
3.69%
+5.3% YoY
|
3.89%
+5.7% YoY
|
36% |
| Efficiency Ratio ? |
54.95%
-2.5% YoY
-3.8% QoQ
|
-10.33% |
65.29%
-4.5% YoY
|
60.25%
-5.8% YoY
|
66.95%
-4.1% YoY
|
74% |
| Delinquency Rate ? |
0.00%
-95.3% YoY
-91.4% QoQ
|
-0.88% |
0.89%
+18.8% YoY
|
0.92%
+20.6% YoY
|
0.95%
+18.8% YoY
|
Top 12.4% in tier |
| Loan-to-Deposit Ratio ? |
55.49%
-14.7% YoY
-16.9% QoQ
|
-21.15% |
76.64%
+0.8% YoY
|
69.27%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Top 14.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.63%
-3.3% YoY
+7.1% QoQ
|
-1.39% |
22.02%
-1.0% YoY
|
22.07%
+2.0% YoY
|
22.01%
-1.2% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.00%
-96.0% YoY
-92.8% QoQ
|
-0.64% |
0.64%
+19.7% YoY
|
0.56%
+12.7% YoY
|
0.67%
+19.3% YoY
|
Top 11.5% in tier |
| Tier 1 Capital Ratio ? |
13.83%
-5.9% YoY
-6.8% QoQ
|
-2.00% |
15.83%
+1.5% YoY
|
13.00%
+1.5% YoY
|
17.06%
+0.8% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.07%
+1.1% YoY
-75.1% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.12%
+7.9% YoY
|
0.32%
+4.1% YoY
|
34% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.