🏦Bank Scorer

THE FIRST NATIONAL BANK OF MCINTOSH

MCINTOSH, MN · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1889FDIC #5,196
Satisfactory Same

Current rating · Exam: January 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.57%

Is this bank safe?

THE FIRST NATIONAL BANK OF MCINTOSH holds a Satisfactory CRA rating (2023), and is financially strong (ROA +1.57%).

Institution Profile

FDIC BankFind

Address

260 Cleveland Ave Sw, MCINTOSH, MN

County

Polk County

Established

August 22, 1889

Total Assets

$46M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 23, 2023

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jan 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$46M

Total Deposits

$37M

Net Loans

$15M

Net Income

$177K

ROA

1.57%

Above avg for Small banks. Peer avg: 0.44%

ROE

7.61%

Risk-Based Capital

68.91%

Above avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.57%Peer avg: 0.44%▲ Above avg
Risk-Based Capital68.91%Peer avg: 23.03%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$31M

1-Year Change

0

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Jan 2023SatisfactorySmall Bank
Aug 2018SatisfactorySmall Bank
Mar 2013SatisfactorySmall Bank

4 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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