# MCINTOSH COUNTY BANK
ASHLEY, ND · FDIC certificate 13794 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $118.7M | |
| Deposits | $105.9M | |
| Loans and leases | $63.4M | |
| Total equity | $11.4M | |
| Loans / deposits | 58.35% (p28 of band) | 73.59% |
| Liquid assets / assets | 44.45% (p71 of band) | |
| Uninsured deposits / deposits | 19.89% (p50 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.01% (p39 of band) | 11.76% |
| Unrealized securities loss / equity | -18.85% (p25 of band) | -6.57% |
| AOCI / equity | -1.58% (p16 of band) | |
| ROA (annualized) | 1.61% (p73 of band) | 1.17% |
| Net interest margin | 3.61% (p34 of band) | 3.93% |
| Efficiency ratio | 56.42% (p26 of band) | |
| Noncurrent loans | 0.00% (p24 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p9 of band) | |
| Reserve coverage of noncurrent | 154400.00% | |
| Real estate % of loans | 26% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $791,000 (1.25% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.8% | |
| Employees | 13 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | wholesale funding >15% |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | wholesale funding >15% |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 | uninsured deposits leaving | capital falling |
| 2014-09 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 2 | noncurrent p90 |  |
| 2016-09 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | charge-offs p90 |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | charge-offs p90 |
| 2018-03 | 1 | assets shrinking |  |
| 2018-06 | 0 |  | assets shrinking |
| 2018-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2018-12 | 3 | uninsured deposits leaving |  |
| 2019-03 | 0 |  | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |
| 2019-06 | 1 | charge-offs p90 |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 1 | charge-offs p90 |  |
| 2020-09 | 1 | capital falling | charge-offs p90 |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | deposits shrinking |  |
| 2023-12 | 3 | uninsured deposits leaving |  |
| 2024-03 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 2 | assets shrinking |  |
| 2025-06 | 1 |  | securities losses >30% of equity |
| 2025-09 | 0 |  | assets shrinking |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-01-21 [Second man pleads guilty to McIntosh County bank heist - The Florida Times-Union](https://news.google.com/rss/articles/CBMivAFBVV95cUxOM0lrSnFmcGxBbExLYXBWLWJOVnJDLV85NjNZNm52cGp1amZETy02TjdXbHp0ZFBlWTVqWGZkRUVWSm9WQXptOUx3VUNpRWJvWHZaN05MUFBOZWw3VzNHQ2hCWVRJQkc5SVV2akFVT3JoQkhzeE9SOUFtcUEwOFY4QzFlcjlCQVF1N0NVaG1SaTUwVnF5d3NzbTdaWG5yMzJWR01vNzJxRTVYbkl2WkFyWERxaTJxUkUzU2dxNg?oc=5) · The Florida Times-Union
- 2017-08-19 [John 'Jack' Hoeven Jr Obituary Aug 19, 2017 - Thomas Family Funeral Home](https://news.google.com/rss/articles/CBMic0FVX3lxTFBQMHZ4RkotbDRnS0FJX0c4MUdoSWhMSkdmaUlJa2RpcFZqVVAwZzVLU1JSZUtsSEw2R1hod0dVZDhqRWtManRwa0p6N0otZ2pBUzluQWNhQnlGdWhWLWdYZGUxdGVuS2plZVd4dXdWSHRRMWc?oc=5) · Thomas Family Funeral Home
- 2024-04-24 [Abigail Jane Berman Obituary Apr 24, 2024 - Feist Funeral Homes](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5DcXVSbzlLVi0xX3k5MTVvMG53cGg0S0dCeW91a1o2c0tvakRTa3lyc1drdTBURVk5OFZLMHlZRE40M3pSUGVFLVNMWU5uUmFqWTlCUDl5TVZOWHF6VDQxZUNIUFNUQmc?oc=5) · Feist Funeral Homes
- 2021-12-16 [Second man pleads guilty to McIntosh County bank heist - The Florida Times-Union](https://news.google.com/rss/articles/CBMiugFBVV95cUxOQ2tLdnlWZmcySUkyaC1NVF9zdUhRbUhySG5ibVcwZm0zTlg5X3dzWXBFLVoyTHE4dHhmNnVlT3pockpibk8wajRFWTRfYm1ISFUzXzVsVnFYSzQ2NkxCdlpmU0t0ZzcxWHRqSEpyaDJqclo0dlVKNHlnMG9nWUlkaEVZQnk2SG82dTZCcER0NXBsRFBpQjFSRWxuN2Q5NHZBRDJVQXJ0RkloMzRjVEp4MlJjdEx5UmduQmc?oc=5) · The Florida Times-Union
- 2021-06-15 [1976 homicide victims to be honored in Zeeland - Jamestown Sun](https://news.google.com/rss/articles/CBMihwFBVV95cUxOZnVJY2t1Y2ZYN1BudEFXa3JqSUg1WHNCbmNWUHVIU3RrckUyN2d6b3U0ck40NDZuZnhEdkNtT3FULTBYeGgxSGNGTFJEVTBQc0FnUGFpTTM3aEt1VVJlTG5RYVJCZHVKZlBhZEFCM29WSUQ0bHZxOTFXMWN5d0hSV3U1LUd3OEE?oc=5) · Jamestown Sun
- 2016-11-03 [Lowell Overbo Obituary (2016) - Ashley, ND - The Bismarck Tribune - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQUFZVbUY3MUx3RFhGUmlXQWY0NWM3MTBRc3VweUpUdW9uZ2xXb1M2TjM4cWlKT05qTVlGZTdwam9wVVVoWElsNGs5eTBHVHcyemYxSVVnTDNfNGU5QzJKeGY3V3pHU3I4NGpmSHBBOTgxX0hnTFZZX0RTWTVvY0tGeUdfN1NvOGY5bVlGRmxUY3lrUW9zYTZj?oc=5) · legacy.com
- 2022-01-21 [Accused Georgia bank robber wants confession squelched - The Florida Times-Union](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQekd6MXdQVnFhZEU1U2RaZ2h4bGREMkoyRUJUSnBuYU9mUXl4QjRPNFVUVU1tbmZ5RkJ2djBMQUZia3hoX0dhNG93YW1DZ1RySzVfcGV0cHBiZXV2blRmRFJBc3hTQnBVaXRMRndsMy1xZ1Y3R1k5Rm53OV9kRWpZWW1meFEySmJJOVQ5RXU0ZkR5aDc1NVRtNVU5R21QdTdpUHBTSmxZWXh5TUdBNUloTHZjdGNNd3c0cUFWTUtleVhMZw?oc=5) · The Florida Times-Union
- 2014-04-10 [Patricia Meidinger Obituary (2014) - Ashley, ND - The Bismarck Tribune - legacy.com](https://news.google.com/rss/articles/CBMingFBVV95cUxNNVhXWkY3bEFDMGdpMEFUMWMyZnl6VXdDZnl2am9kOWtUWlpVdWRHc19KeWxpa0tMWXNDTnRFbmw4QllGWXRiTVdGNWRRN3V5WHRyVmFES3YwVWhuMk1IMDVMNk1RQmZsVkdHd0RzcDYwYUN3YTBLQ1pmeHJ2MHYteUU3RHp0ZVFid1U4ejBmYVN6RjBCY0xvU2pFeW93QQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13794 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/34.json (key "13794", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide