| Metric | McIntosh County Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +4.4% | +0.8 pts |
| Deposit growth (YoY) | +7.8% | +4.0% | +3.8 pts |
| Loan growth (YoY) | -3.8% | +5.6% | -9.4 pts |
| ROA | 1.61% | 1.24% | +0.4 pts |
| ROE | 17.2% | 11.9% | +5.3 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $118.7M | $105.9M | $61.8M | $11.4M | $950K | 1.61% | 3.61% | 0.00% |
| Q1 2026 | $121.2M | $106.8M | $59.3M | $11.1M | $491K | 1.67% | 3.60% | 0.00% |
| Q4 2025 | $113.6M | $98.9M | $66.1M | $10.6M | $1.9M | 1.66% | 3.86% | 0.02% |
| Q3 2025 | $117.4M | $99.8M | $68.6M | $11.8M | $1.5M | 1.75% | 3.92% | 0.02% |
| Q2 2025 | $112.9M | $98.3M | $64.3M | $10.4M | $987K | 1.76% | 3.94% | 0.04% |
| Q1 2025 | $112.8M | $97.7M | $63.6M | $9.9M | $484K | 1.73% | 3.98% | 0.04% |
| Q4 2024 | $110.7M | $91.6M | $65.4M | $9.1M | $1.8M | 1.53% | 3.65% | 0.01% |
| Q3 2024 | $113.8M | $94.1M | $64.2M | $10.9M | $1.5M | 1.67% | 3.60% | 0.01% |
Loan mix (Q2 2026): real estate $16.2M · commercial $4.3M · consumer $2.8M · securities $41.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | McIntosh County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 1.24% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 17.2% | 11.9% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.4% | 62.9% | 30th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | McIntosh County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | McIntosh County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | McIntosh County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | McIntosh County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | McIntosh County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2025) · $105.9M branch deposits. Biggest market: McIntosh, ND, ranked 1st with 42.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| McIntosh, ND | 2 | $105.9M | 42.30% | 1st |
North Dakota: 62nd with 0.22% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend in line with peers (23 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).