McIntosh County Bank is a state-chartered bank headquartered in Ashley, North Dakota, in business for about 115 years. At the end of Q2 2026 it reported $118.7M in total assets and $105.9M in deposits, with 2 offices.
Based on its Q2 2026 filing, McIntosh County Bank scores 84/100, which we describe as strong. That is higher than 86% of 2,650 banks with $100 million – $1 billion. Among 60 banks headquartered in North Dakota, it ranks 8th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (60/100; 11.01%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (85 → 84).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 85 |
| Q4 2024 | 82 |
| Q1 2025 | 85 |
| Q2 2025 | 85 |
| Q3 2025 | 86 |
| Q4 2025 | 83 |
| Q1 2026 | 85 |
| Q2 2026 | 84 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.93% |
| Q3 2024 | 11.64% |
| Q4 2024 | 11.11% |
| Q1 2025 | 11.37% |
| Q2 2025 | 11.49% |
| Q3 2025 | 11.93% |
| Q4 2025 | 10.69% |
| Q1 2026 | 11.12% |
| Q2 2026 | 11.01% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.02% |
| Q4 2024 | 0.02% |
| Q1 2025 | 0.07% |
| Q2 2025 | 0.07% |
| Q3 2025 | 0.03% |
| Q4 2025 | 0.04% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.60% |
| Q3 2024 | 1.67% |
| Q4 2024 | 1.53% |
| Q1 2025 | 1.73% |
| Q2 2025 | 1.76% |
| Q3 2025 | 1.75% |
| Q4 2025 | 1.66% |
| Q1 2026 | 1.67% |
| Q2 2026 | 1.61% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $118.7M | 11.01% | 0.00% | 1.61% | 58.4% |
| Q1 2026 | 85 | $121.2M | 11.12% | 0.00% | 1.67% | 55.5% |
| Q4 2025 | 83 | $113.6M | 10.69% | 0.04% | 1.66% | 66.8% |
| Q3 2025 | 86 | $117.4M | 11.93% | 0.03% | 1.75% | 68.8% |
| Q2 2025 | 85 | $112.9M | 11.49% | 0.07% | 1.76% | 65.3% |
| Q1 2025 | 85 | $112.8M | 11.37% | 0.07% | 1.73% | 65.1% |
| Q4 2024 | 82 | $110.7M | 11.11% | 0.02% | 1.53% | 71.3% |
| Q3 2024 | 85 | $113.8M | 11.64% | 0.02% | 1.67% | 68.2% |
| Q2 2024 | 83 | $119.9M | 10.93% | 0.00% | 1.60% | 62.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in North Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers & Merchants Bank of North DakotaBank Tolna, ND | 73 out of 100, Strong | $119.8M | 11.0% | 0.73% | vs |
| State Bank of BottineauBank Bottineau, ND | 68 out of 100, Moderate | $117.2M | 8.5% | 0.06% | vs |
| Turtle Mountain State BankBank Belcourt, ND | 71 out of 100, Strong | $114.1M | 12.9% | 1.75% | vs |
| First State Bank of GolvaBank Golva, ND | 55 out of 100, Moderate | $123.5M | 9.0% | 2.51% | vs |
| Lincoln State BankBank Hankinson, ND | 76 out of 100, Strong | $125.1M | 10.0% | 0.15% | vs |
| Strasburg State BankBank Strasburg, ND | 74 out of 100, Strong | $104.2M | 8.7% | 0.00% | vs |
Deposit insurance
Is my money safe at McIntosh County Bank?
Yes. McIntosh County Bank is an FDIC-insured institution (FDIC certificate #13794). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.9% of deposits ($21.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.01%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
McIntosh County Bank lists 2 offices in 2 cities. Most locations:
- Ashley, ND (1)
- Zeeland, ND (1)
Identity & history
Profile
- Legal name
- McIntosh County Bank
- Former names
- Farmers State Bank; Farmers State Bank of Zeeland
- Type
- State-chartered bank
- FDIC certificate #
- 13794
- RSSD ID
- 720858
- Primary regulator
- FDIC
- Holding company
- McIntosh Cnty Bk Holding
- Established
- January 1, 1911
- Headquarters
- 204 W Main St, Ashley, ND 58413
- Website
- www.makeitmcb.com
- Employees
- 13
Quick answers
McIntosh County Bank: common questions
Is McIntosh County Bank FDIC insured?
Yes. McIntosh County Bank is an FDIC-insured institution (FDIC certificate #13794). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is McIntosh County Bank's TellerScore?
84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has McIntosh County Bank ever failed?
There is no failure record for FDIC certificate #13794 in the FDIC failed bank list.
How many branches does McIntosh County Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ashley
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State Bank of RoscoeBank Roscoe, SD | 92 out of 100, Very strong | $147.5M | 13.8% | 0.00% | vs |
| First Community Credit UnionCredit union Jamestown, ND | 71 out of 100, Strong | $1.5B | 12.3% | 0.61% | vs |
| Unison BankBank Jamestown, ND | 67 out of 100, Moderate | $596.9M | 10.0% | 0.44% | vs |
| Great Plains BankBank Eureka, SD | 65 out of 100, Moderate | $150.4M | 17.7% | 3.49% | vs |
| Hometown Credit UnionCredit union Kulm, ND | 58 out of 100, Moderate | $223.1M | 15.6% | 6.81% | vs |