McIntosh County Bank: how it compares with its peers
Against 23 ND banks with half to twice its assets, McIntosh County Bank's strongest measure in Q2 2026 is return on assets (1.61% vs. a 1.19% peer median). Its weakest relative measure is net interest margin (3.61% vs. 3.73%).
| Measure | McIntosh County Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.61% | 1.19% | Top third Ahead of 78% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.61% | 3.73% | Middle third Ahead of 43% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.42% | 63.74% | Middle third Ahead of 61% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.1M | $7.8M | Middle third Ahead of 65% of peers |
| Loans to deposits Net loans and leases over total deposits. | 58.35% | 58.70% | Context |
What it means for lending operations
Its efficiency ratio of 56.42% is better than the 63.74% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Farmers & Merchants Bank of North Dakota Tolna, ND · $120M
- State Bank of Bottineau Bottineau, ND · $117M
- Turtle Mountain State Bank Belcourt, ND · $114M
- First State Bank of Golva Golva, ND · $124M
- Lincoln State Bank Hankinson, ND · $125M
- Strasburg State Bank Strasburg, ND · $104M
Questions about McIntosh County Bank
How big is McIntosh County Bank?
McIntosh County Bank, established in 1911, is headquartered in Ashley, ND. It reported $119M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is McIntosh County Bank's return on assets?
1.61% annualized in Q2 2026, against a 1.19% median for 23 ND banks with half to twice its assets, ahead of 78% of them.
What is McIntosh County Bank's efficiency ratio?
56.42% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 63.74%, and lower is better.
Is McIntosh County Bank growing its loans?
Net loans shrank 3.8% over the year to Q2 2026, while deposits grew 7.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are ND banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every North Dakota bank ranked.