Side-by-side · Q2 2026 data
The First National Bank of McIntosh vs Welcome State 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 | Welcome State Bank |
|---|---|---|
| TellerScore | 86 | 90 (stronger) |
| Capital cushion | 100 (stronger) | 78 |
| Loan quality | 61 | 100 (stronger) |
| Earnings | 89 | 100 (stronger) |
| Funding & liquidity | 90 (stronger) | 80 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 81st | 89th |
| Total assets | $47.0M | $44.3M |
| Deposits / shares | $37.4M | $38.1M |
| Capital ratio | 20.20% (stronger) | 12.81% |
| Problem loans | 1.16% | 0.00% (stronger) |
| Net charge-offs | 0.01% | -0.05% (stronger) |
| Return on assets | 1.71% | 2.94% (stronger) |
| Loans ÷ deposits | 40.7% (stronger) | 79.0% |
| Uninsured deposits | 24.0% | 16.1% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Welcome State Bank has the higher TellerScore (90 vs 86). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of McIntosh leads on 2 and Welcome State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.