Headquartered in Mcintosh, Minnesota, The First National Bank of McIntosh is a national bank with $47.0M in total assets and $37.4M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1889.
The First National Bank of McIntosh has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 81% of its 546 banks with under $100 million in assets. Among 223 banks headquartered in Minnesota, it ranks 18th. Capital cushion contributes the most (100/100, 20.20%); loan quality contributes the least (61/100, 1.16%).
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
From Q2 2025 to Q2 2026, the score rose 9 points (77 → 86), mostly because the loan quality component improved by 34 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 93 |
| Q3 2024 | 97 |
| Q4 2024 | 95 |
| Q1 2025 | 75 |
| Q2 2025 | 77 |
| Q3 2025 | 96 |
| Q4 2025 | 94 |
| Q1 2026 | 86 |
| Q2 2026 | 86 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 22.22% |
| Q3 2024 | 22.70% |
| Q4 2024 | 23.10% |
| Q1 2025 | 22.55% |
| Q2 2025 | 21.93% |
| Q3 2025 | 21.90% |
| Q4 2025 | 21.45% |
| Q1 2026 | 20.24% |
| Q2 2026 | 20.20% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.26% |
| Q3 2024 | 0.08% |
| Q4 2024 | 0.32% |
| Q1 2025 | 2.47% |
| Q2 2025 | 2.19% |
| Q3 2025 | 0.19% |
| Q4 2025 | 0.25% |
| Q1 2026 | 1.13% |
| Q2 2026 | 1.16% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.40% |
| Q3 2024 | 1.66% |
| Q4 2024 | 1.71% |
| Q1 2025 | 1.56% |
| Q2 2025 | 1.54% |
| Q3 2025 | 1.65% |
| Q4 2025 | 1.68% |
| Q1 2026 | 1.57% |
| Q2 2026 | 1.71% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $47.0M | 20.20% | 1.16% | 1.71% | 40.7% |
| Q1 2026 | 86 | $46.3M | 20.24% | 1.13% | 1.57% | 41.5% |
| Q4 2025 | 94 | $43.9M | 21.45% | 0.25% | 1.68% | 43.8% |
| Q3 2025 | 96 | $41.0M | 21.90% | 0.19% | 1.65% | 49.7% |
| Q2 2025 | 77 | $40.3M | 21.93% | 2.19% | 1.54% | 49.1% |
| Q1 2025 | 75 | $39.0M | 22.55% | 2.47% | 1.56% | 52.4% |
| Q4 2024 | 95 | $37.5M | 23.10% | 0.32% | 1.71% | 53.7% |
| Q3 2024 | 97 | $36.2M | 22.70% | 0.08% | 1.66% | 59.8% |
| Q2 2024 | 93 | $36.5M | 22.22% | 0.26% | 1.40% | 58.9% |
546 peers · Under $100 million in assets
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 Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| State Bank of Lake ParkBank Lake Park, MN | 69 out of 100, Moderate | $47.0M | 11.0% | 1.52% | vs |
| Farmers and Merchants State Bank of AlphaBank Alpha, MN | 46 out of 100, Below average | $47.4M | 11.1% | 4.15% | vs |
| State Bank of TauntonBank Taunton, MN | 55 out of 100, Moderate | $46.6M | 13.4% | 4.06% | vs |
| State Bank of BellinghamBank Bellingham, MN | 62 out of 100, Moderate | $46.4M | 14.8% | 2.50% | vs |
| Marshall County State BankBank Newfolden, MN | 95 out of 100, Very strong | $45.4M | 15.8% | 0.00% | vs |
| Security State Bank of OkleeBank Oklee, MN | 98 out of 100, Very strong | $48.8M | 15.8% | 0.00% | vs |
Deposit insurance
Is my money safe at The First National Bank of McIntosh?
Yes. The First National Bank of McIntosh is an FDIC-insured institution (FDIC certificate #5196). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.0% of deposits ($9.0M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 20.20%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 70.82% (benchmark: 10%).
1 location
Branches
The First National Bank of McIntosh lists 1 office in 1 city. Most locations:
- Mcintosh, MN (1)
Identity & history
Profile
- Legal name
- The First National Bank of McIntosh
- Type
- National bank
- FDIC certificate #
- 5196
- RSSD ID
- 988256
- Primary regulator
- OCC
- Established
- August 22, 1889
- Headquarters
- 260 Cleveland Ave Sw, Mcintosh, MN 56556
- Website
- www.fnbmcintosh.com
- Employees
- 6
Quick answers
The First National Bank of McIntosh: common questions
Is The First National Bank of McIntosh FDIC insured?
Yes. The First National Bank of McIntosh is an FDIC-insured institution (FDIC certificate #5196). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of McIntosh's TellerScore?
86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The First National Bank of McIntosh ever failed?
There is no failure record for FDIC certificate #5196 in the FDIC failed bank list.
How many branches does The First National Bank of McIntosh have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mcintosh
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security State Bank of OkleeBank Oklee, MN | 98 out of 100, Very strong | $48.8M | 15.8% | 0.00% | vs |
| The Northern State Bank of GonvickBank Gonvick, MN | 86 out of 100, Very strong | $50.6M | 15.7% | 1.00% | vs |
| American State Bank of GryglaBank Grygla, MN | 83 out of 100, Strong | $81.8M | 10.8% | 0.00% | vs |
| Ultima Bank MinnesotaBank Winger, MN | 72 out of 100, Strong | $333.9M | 10.8% | 0.62% | vs |
| American Federal BankBank Fargo, ND | 66 out of 100, Moderate | $795.8M | 9.3% | 0.00% | vs |
| Dakota Heritage BankBank Hunter, ND | 63 out of 100, Moderate | $416.8M | 9.8% | 1.62% | vs |