Side-by-side · Q2 2026 data
The First National Bank of McIntosh vs Dakota Heritage Bank
Bank
The First National Bank of McIntosh
Mcintosh, Minnesota · Under $100 million in assets
Metric by metric
| Measure | The First National Bank of McIntosh | Dakota Heritage Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 48 |
| Loan quality | 61 (stronger) | 46 |
| Earnings | 89 | 98 (stronger) |
| Funding & liquidity | 90 (stronger) | 66 |
| Problem-loan coverage | 96 (stronger) | 74 |
| Peer percentile | 81st | 24th |
| Total assets | $47.0M | $416.8M |
| Deposits / shares | $37.4M | $366.8M |
| Capital ratio | 20.20% (stronger) | 9.83% |
| Problem loans | 1.16% (stronger) | 1.62% |
| Net charge-offs | 0.01% (stronger) | 0.03% |
| Return on assets | 1.71% | 1.96% (stronger) |
| Loans ÷ deposits | 40.7% (stronger) | 93.4% |
| Uninsured deposits | 24.0% | 15.6% (stronger) |
| Offices | 1 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.1% |
The First National Bank of McIntosh has the higher TellerScore (86 vs 63). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of McIntosh leads on 5 and Dakota Heritage Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.