The First National Bank of McIntosh: how it compares with its peers
Against 49 MN banks with half to twice its assets, The First National Bank of McIntosh's strongest measure in Q2 2026 is efficiency ratio (45.54% vs. a 62.37% peer median). Its weakest relative measure is net interest margin (3.24% vs. 3.98%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.71% | 1.26% | Top third Ahead of 82% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.24% | 3.98% | Bottom third Ahead of 18% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 45.54% | 62.37% | Top third Ahead of 94% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $6.9M | Top third Ahead of 67% of peers |
| Loans to deposits Net loans and leases over total deposits. | 40.72% | 70.19% | Context |
What it means for lending operations
Its efficiency ratio of 45.54% is better than the 62.37% 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
- State Bank of Lake Park Lake Park, MN · $47M
- Farmers and Merchants State Bank of Alpha Alpha, MN · $47M
- State Bank of Taunton Taunton, MN · $47M
- State Bank of Bellingham Bellingham, MN · $46M
- Marshall County State Bank Newfolden, MN · $45M
- Security State Bank of Oklee Oklee, MN · $49M
Questions about The First National Bank of McIntosh
How big is The First National Bank of McIntosh?
The First National Bank of McIntosh, established in 1889, is headquartered in Mcintosh, MN. It reported $47M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The First National Bank of McIntosh's return on assets?
1.71% annualized in Q2 2026, against a 1.26% median for 49 MN banks with half to twice its assets, ahead of 82% of them.
What is The First National Bank of McIntosh's efficiency ratio?
45.54% in Q2 2026: it spent about 46 cents in noninterest expense for each dollar of revenue. The peer median is 62.37%, and lower is better.
Is The First National Bank of McIntosh growing its loans?
Net loans shrank 0.8% over the year to Q2 2026, while deposits grew 19.6%.
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 MN 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 Minnesota bank ranked.