McIntosh Commercial Bank

Headquarters

820 Dixie Street
Carrollton, GA 30117
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

McIntosh Commercial Bank is an FDIC insured institution located in Carrollton, GA. It was founded in 2002 and has approximately $0.36 billion in assets.

McIntosh Commercial Bank, Carrollton, Georgia, was closed March 26, 2010 by the Georgia Department of Banking and Finance, which appointed the Federal Deposit Insurance Corporation (FDIC) as receiver. To protect the depositors, the FDIC entered into a purchase and assumption agreement with CharterBank, West Point, Georgia, to assume all of the deposits of McIntosh Commercial Bank.

FDIC Insured Yes
FDIC Certificate # 57399
Date Established 2002
Assets $ 362.99 million
Loans $ 208.58 million
Deposits $ 343.34 million
Capital $ 8.47 million
 

For a more detailed analysis of McIntosh Commercial Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 23, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 23, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for McIntosh Commercial Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.816% 2.750% 0.88 $2,132 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
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People's United Bank, N.A.
People's United Bank, N.A.
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4.000 %
$0 Learn More
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Note to McIntosh Commercial Bank
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Branches

McIntosh Commercial Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


McIntosh Commercial Bank Locations


Financial Details

McIntosh Commercial Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of McIntosh Commercial Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
McIntosh Commercial Bank U.S. Bank Average
510.88% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, McIntosh Commercial Bank had $68,800,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $8,472,000 in equity and $4,995,000 in loans loss reserves. That gives it a Texas Ratio of 510.88%.

Return on Equity
McIntosh Commercial Bank U.S. Bank Average
-66.79% 7.80%

McIntosh Commercial Bank has a Return on Equity of -66.79% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
McIntosh Commercial Bank U.S. Bank Average
2.33% 12.68%

McIntosh Commercial Bank has a Capitalization of 2.33% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

McIntosh Commercial Bank Balance Sheet Analysis

As of November 30, -0001, McIntosh Commercial Bank had assets of $363,405,000, loans of $208,580,000, and deposits of $343,339,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 208.58 million
Loan loss allowance $ 5.00 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 343.34 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 362.99 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in McIntosh Commercial Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, McIntosh Commercial Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Mcintosh Commercial Bank

Branches and Savings

Is Mcintosh Commercial Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57399.

Why does Mcintosh Commercial Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Mcintosh Commercial Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Mcintosh Commercial Bank a commercial bank?

Yes

Where are Mcintosh Commercial Bank locations?

See branch locations nearby.

Is Mcintosh Commercial Bank open on Saturdays?

Is Mcintosh Commercial Bank open on Sundays?

What time does Mcintosh Commercial Bank open?

What time does Mcintosh Commercial Bank close?

Are Mcintosh Commercial Bank ATMs Open 24/7?

Do Mcintosh Commercial Bank ATMs accept cash deposits?

Can Mcintosh Commercial Bank customers use other ATMs?

Do Mcintosh Commercial Bank branches have notaries?

Will Mcintosh Commercial Bank notarize my document?

What address for Mcintosh Commercial Bank should I put for incoming ACH transfers?

Will the Mcintosh Commercial Bank branch print checks?

Do Mcintosh Commercial Bank checks expire?

Does Mcintosh Commercial Bank require US citizenship to open account?

Can Mcintosh Commercial Bank close my account?

Does Mcintosh Commercial Bank Report to credit bureaus?

Does Mcintosh Commercial Bank Use Equifax?

What is Mcintosh Commercial Bank's ACH Routing Number?

What is Mcintosh Commercial Bank's SWIFT code?

Products

Does Mcintosh Commercial Bank offer mortgages?

Compare mortgage rates here.

Does Mcintosh Commercial Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Mcintosh Commercial Bank offer personal loans?

Compare personal loan rates here.

Does Mcintosh Commercial Bank offer student loans?

Will Mcintosh Commercial Bank cash a check?

Will Mcintosh Commercial Bank redeem a savings bond?

Does Mcintosh Commercial Bank cash savings bonds?

Will Mcintosh Commercial Bank cash money orders?

Can Mcintosh Commercial Bank issue a money order?

Does Mcintosh Commercial Bank do currency exchange?

Background on The Bank

Who owns Mcintosh Commercial Bank?

How long has Mcintosh Commercial Bank been around?

Can Mcintosh Commercial Bank transfer to other banks?

Does Mcintosh Commercial Bank have quick pay?

Does Mcintosh Commercial Bank accept rolled coins?

Will Mcintosh Commercial Bank accept loose change?

Where is Mcintosh Commercial Bank headquarters?

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