BlastPoint's Banking Scorecard
The First National Bank of McIntosh
Micro
Specialty: Agricultural
MN
FDIC cert 5196
Designations: ✓ Community bank
Mcintosh, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
The First National Bank of McIntosh shows strong momentum with 2 strengths and 17.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.81% below tier
- + Loan-to-Deposit Ratio 30.75% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$43.9M
+17.0% YoY
+6.9% QoQ
|
-$173.6M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$15.1M
-2.7% YoY
-4.5% QoQ
|
-$124.1M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$34.4M
+19.3% YoY
+8.4% QoQ
|
-$149.2M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
1.68%
-1.8% YoY
+1.8% QoQ
|
+0.59% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
3.37%
-6.6% YoY
-0.7% QoQ
|
-0.48% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
47.92%
-8.2% YoY
+0.6% QoQ
|
-19.81% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.25%
-23.4% YoY
+28.3% QoQ
|
-0.39% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
43.77%
-18.4% YoY
-11.9% QoQ
|
-30.75% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.93%
+20.5% YoY
+13.2% QoQ
|
+3.54% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.09%
-36.3% YoY
+14.7% QoQ
|
-0.37% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
68.28%
+12.2% YoY
+7.8% QoQ
|
+59.43% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
0.54%
-10.4% YoY
+19.7% QoQ
|
-0.02% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
73% |
Signature Analysis
Strengths (2)
Efficiency Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
47.92%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
43.77%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Efficiency Ratio
Current: 47.92% · Tier avg: 67.73%
92
92th pctile
Loan-to-Deposit Ratio
Current: 43.77% · Tier avg: 74.53%
82
82th pctile
Return on Assets
Current: 1.68% · Tier avg: 1.08%
73
73th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.56%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.93% · Tier avg: 22.39%
58
58th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.64%
28
28th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.85%
6
6th pctile
Total Assets
Current: $43.9M · Tier avg: $217.5M
6
6th pctile
Total Deposits
Current: $34.4M · Tier avg: $183.7M
5
5th pctile
Total Loans
Current: $15.1M · Tier avg: $139.2M
Top Weaknesses
5
5th pctile
Total Loans
Current: $15.1M · Tier avg: $139.2M
6
6th pctile
Total Deposits
Current: $34.4M · Tier avg: $183.7M
6
6th pctile
Total Assets
Current: $43.9M · Tier avg: $217.5M
28
28th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.85%
58
58th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.64%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.93% · Tier avg: 22.39%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
73
73th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.56%
82
82th pctile
Return on Assets
Current: 1.68% · Tier avg: 1.08%
92
92th pctile
Loan-to-Deposit Ratio
Current: 43.77% · Tier avg: 74.53%
92
92th pctile
Efficiency Ratio
Current: 47.92% · Tier avg: 67.73%