McIntosh County Bank

204 West Main Street
Ashley, ND 58413

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 13794
Date Established 1911
Assets $0.09 billion
Loans $0.06 billion
Deposits $0.07 billion
Capital $0.01 billion

McIntosh County Bank is an FDIC insured institution located in Ashley, ND. It was founded in 1911 and has approximately $0.09 billion in assets. Customers can open an account at one of its 2 branches.

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

Bank Loan Profile?

The top three loan types in McIntosh County Bank’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks in North Dakota, McIntosh County Bank has a significantly higher percent of Credit Card Loans, Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

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 0.40
Multifamily
Mortgages
0.00
Credit Card Loans 0.34
Consumer Auto Loans 1.38
Small Business Loans 2.66
Construction and Development Loans 0.00
Commercial Real Estate 2.66
Commercial and Industrial Loans 5.01
Farm Loans 72.85

Deposit Rates - May 24, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.30% $1 $24,999 Learn MoreShow Less
Money Market
0.35% $25,000 $74,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.25% $100 - Learn MoreShow Less
6 Mo CD
1.51% $100 - Learn MoreShow Less
12 Mo CD
1.26% $100 - Learn MoreShow Less
18 Mo CD
1.05% $100 - Learn MoreShow Less
24 Mo CD
1.15% $100 - Learn MoreShow Less
30 Mo CD
2.42% $100 - Learn MoreShow Less
48 Mo CD
2.78% $100 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.26% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.30% $1 $24,999 Learn MoreShow Less

Loan Rates - May 24, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for McIntosh County Bank

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
First Internet Bank
NMLS ID: 424182
3.892% 3.875% 0.25 $518 $1,176 Learn More
Hamilton National Mortgage Co.
NMLS ID: 122701
3.876% 3.875% 0.00 $25 $1,176 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info

Note to McIntosh County Bank
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Branches

McIntosh County 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:
Ashburn,Virginia


McIntosh County Bank Locations


Financial Details

McIntosh County Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of McIntosh County 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 County Bank U.S. Bank Average
16.02% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 December 31, 2018, McIntosh County Bank had $1,835,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $9,676,000 in equity and $1,775,000 in loans loss reserves. That gives it a Texas Ratio of 16.02%.

Return on Equity
McIntosh County Bank U.S. Bank Average
16.83% 8.80%

McIntosh County Bank has a Return on Equity of 16.83% versus the BestCashCow average of 8.80%. 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 County Bank U.S. Bank Average
11.22% 12.29%

McIntosh County Bank has a Capitalization of 11.22% versus the BestCashCow average of 12.29. 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 County Bank Balance Sheet Analysis

As of December 31, 2018, McIntosh County Bank had assets of $86,228,000, loans of $58,818,000, and deposits of $71,836,000. 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

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.06 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.08 billion
LIABILITIES
Total deposits $0.07 billion
      Interest-bearing deposits $0.06 billion
      Deposits held in domestic offices $0.07 billion
      % insured (estimated) 92.93%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.08 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Mcintosh County Bank

Branches and Savings

Is Mcintosh County Bank FDIC insured?

Yes. It is covered under FDIC Certificate #13794.

Why does Mcintosh County 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 County Bank CD rates not competitive?

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

Is Mcintosh County Bank a commercial bank?

Yes

Where are Mcintosh County Bank locations?

See branch locations nearby.

Is Mcintosh County Bank open on Saturdays?

Is Mcintosh County Bank open on Sundays?

What time does Mcintosh County Bank open?

What time does Mcintosh County Bank close?

Are Mcintosh County Bank ATMs Open 24/7?

Do Mcintosh County Bank ATMs accept cash deposits?

Can Mcintosh County Bank customers use other ATMs?

Do Mcintosh County Bank branches have notaries?

Will Mcintosh County Bank notarize my document?

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

Will the Mcintosh County Bank branch print checks?

Do Mcintosh County Bank checks expire?

Does Mcintosh County Bank require US citizenship to open account?

Can Mcintosh County Bank close my account?

Does Mcintosh County Bank Report to credit bureaus?

Does Mcintosh County Bank Use Equifax?

What is Mcintosh County Bank's ACH Routing Number?

What is Mcintosh County Bank's SWIFT code?

Products

Does Mcintosh County Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Mcintosh County Bank offer personal loans?

Compare personal loan rates here.

Does Mcintosh County Bank offer student loans?

Will Mcintosh County Bank cash a check?

Will Mcintosh County Bank redeem a savings bond?

Does Mcintosh County Bank cash savings bonds?

Will Mcintosh County Bank cash money orders?

Can Mcintosh County Bank issue a money order?

Does Mcintosh County Bank do currency exchange?

Background on The Bank

Who owns Mcintosh County Bank?

How long has Mcintosh County Bank been around?

Can Mcintosh County Bank transfer to other banks?

Does Mcintosh County Bank have quick pay?

Does Mcintosh County Bank accept rolled coins?

Will Mcintosh County Bank accept loose change?

Where is Mcintosh County Bank headquarters?

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