BlastPoint's Banking Scorecard
The First National Bank of McIntosh
Designations: ✓ Community bank
Mcintosh, MN
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 38.23% below tier average
- + ROA 0.73% above tier average
- + Delinquency Rate 0.22% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.59% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$46.3M
+18.9% YoY
+5.6% QoQ
|
-$15.8M |
$62.2M
-0.6% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
28% |
| Total Loans ? |
$15.3M
-3.2% YoY
+1.4% QoQ
|
-$19.0M |
$34.2M
-1.4% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
20% |
| Total Deposits ? |
$36.9M
+22.2% YoY
+7.0% QoQ
|
-$14.9M |
$51.7M
-0.7% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
27% |
| Return on Assets ? |
1.57%
+0.7% YoY
-6.3% QoQ
|
+0.73% |
0.84%
-2.3% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
80% |
| Net Interest Margin ? |
3.27%
-4.3% YoY
-3.0% QoQ
|
-0.59% |
3.86%
+2.8% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
23% |
| Efficiency Ratio ? |
50.11%
-2.3% YoY
+4.6% QoQ
|
-38.23% |
88.34%
+0.3% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
Top 9.2% in tier |
| Delinquency Rate ? |
1.15%
-54.2% YoY
+356.8% QoQ
|
-0.22% |
1.37%
+33.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
41.47%
-20.8% YoY
-5.3% QoQ
|
-22.75% |
64.22%
-0.7% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
20.18%
+2.5% YoY
-22.2% QoQ
|
-3.53% |
23.71%
+0.3% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.41%
-60.2% YoY
+368.4% QoQ
|
-0.38% |
0.79%
+28.2% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
43% |
| Tier 1 Capital Ratio ? |
67.66%
+15.0% YoY
-0.9% QoQ
|
+40.97% |
26.68%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Top 5.4% in tier |
| Non-Interest Income / Assets ? |
0.17%
-0.4% YoY
-69.4% QoQ
|
-0.50% |
0.67%
+1.9% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
Top 13.5% in tier |
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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.