BlastPoint's Banking Scorecard
The First National Bank of McIntosh
Designations: ✓ Community bank
Mcintosh, MN
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 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
- Deposits +19.6% year over year ($37.4M on the books).
- Delinquency rate 1.18%.
- Return on assets 1.71%.
- Efficiency ratio 45.54% vs a 119.40% peer average.
- Loan-to-deposit ratio 40.72% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of McIntosh has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 73.86% below tier average
- + ROA 0.72% above tier average
- + Delinquency Rate 0.30% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.67% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$47.0M
+16.7% YoY
+1.5% QoQ
|
-$15.4M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
29% |
| Total Loans ? |
$15.2M
-0.8% YoY
-0.4% QoQ
|
-$19.7M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
19% |
| Total Deposits ? |
$37.4M
+19.6% YoY
+1.4% QoQ
|
-$14.2M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
27% |
| Return on Assets ? |
1.71%
+11.2% YoY
+9.2% QoQ
|
+0.72% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
82% |
| Net Interest Margin ? |
3.24%
-3.7% YoY
-0.9% QoQ
|
-0.67% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
21% |
| Efficiency Ratio ? |
45.54%
-6.1% YoY
-9.1% QoQ
|
-73.86% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
Top 5.4% in tier |
| Delinquency Rate ? |
1.18%
-47.0% YoY
+2.7% QoQ
|
-0.30% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
40.72%
-17.0% YoY
-1.8% QoQ
|
-33.48% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
19.10%
-13.5% YoY
-5.4% QoQ
|
-4.39% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.38%
-54.9% YoY
-5.7% QoQ
|
-0.45% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
69.56%
+10.4% YoY
+2.8% QoQ
|
+42.43% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
Top 5.8% in tier |
| Non-Interest Income / Assets ? |
0.37%
+24.9% YoY
+120.1% QoQ
|
-1.01% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
Top 13.1% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.1%
-3.0pp YoY -1.1pp QoQ |
-5.5pp | 24.6% | 21.9% | 22.2% | 32% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.0%
-1.0pp YoY +0.1pp QoQ |
-6.4pp | 13.4% | 14.6% | 12.5% | 33% |
| CRE | n/a | n/a | 25.2% | 36.5% | 41.4% | n/a |
| 1-4 Family |
33.0%
+0.8pp YoY -0.8pp QoQ |
-1.9pp | 35.0% | 29.4% | 31.3% | 53% |
| Consumer |
12.0%
-0.1pp YoY +0.8pp QoQ |
+4.4pp | 7.7% | 4.5% | 5.0% | 83% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
69.6%
+6.6pp YoY +1.9pp QoQ |
+30.9pp | 38.7% | 16.5% | 19.7% | 91% |
| Leverage Ratio |
20.2%
-1.7pp YoY 0.0pp QoQ |
+2.5pp | 17.7% | 11.0% | 12.6% | 86% |
| Total Capital Ratio |
70.8%
+6.6pp YoY +1.9pp QoQ |
+31.2pp | 39.7% | 17.6% | 20.8% | 91% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
6
-1 (-14.3%) YoY 0 QoQ |
-6 | 12 | 55 | 482 | 13% |
| Assets per Employee ($) |
$7.8M
+36.2% YoY +1.5% QoQ |
+$1.6M | $6.2M | $8.6M | $8.8M | 78% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-2.0pp YoY -1.0pp QoQ |
-0.9pp | 1.0% | 0.4% | 0.4% | 25% |
| Nonaccrual |
1.1%
+0.9pp YoY +1.0pp QoQ |
-0.7pp | 1.7% | 1.0% | 1.0% | 58% |
| Allowance Coverage |
1.83x
+121.7% YoY +2.4% QoQ |
-4.58x | 6.41x | 20.41x | 20.23x | 60% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp QoQ |
-0.1pp | 0.2% | 0.2% | 0.2% | 45% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.4%
+1.4pp YoY +0.8pp QoQ |
+2.0pp | 6.4% | 13.1% | 11.6% | 52% |
| Cost of Funds (YTD) |
1.6%
-0.2pp YoY 0.0pp QoQ |
+0.2pp | 1.4% | 1.7% | 1.7% | 61% |
| Net Income ($, YTD) |
$392,000
+30.7% YoY — QoQ |
+$74K | $317,817 | $4.5M | $40.4M | 62% |
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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.