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MNB BANK

$100M-$1B Specialty: Agricultural NE FDIC cert 5434

Mccook, NE

7 branches across NE · CO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
  • Deposits +1.7% year over year ($494.9M on the books).
  • Delinquency rate 0.15%.
  • Return on assets 1.06%.
  • Efficiency ratio 64.98% vs a 64.48% peer average.
  • Loan-to-deposit ratio 76.16% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 81 in NE
View $100M-$1B leaderboard (NE) →

MNB BANK has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 26.0% in tier
  • - Flatlined Growth: Bottom 32.9% in tier
  • - ROA 0.27% below tier average
  • - Net Interest Margin 0.52% below tier average
  • - Efficiency Ratio 0.50% above tier average
Get updates when MNB BANK releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $594.1M
-0.5% YoY +0.1% QoQ
+$207.5M $386.6M
+1.2% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
80%
Total Loans ? $376.9M
-1.2% YoY +1.3% QoQ
+$118.6M $258.3M
+1.7% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
77%
Total Deposits ? $494.9M
+1.7% YoY -0.3% QoQ
+$168.2M $326.7M
+0.7% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
79%
Return on Assets ? 1.06%
+29.8% YoY +1.5% QoQ
-0.27% 1.32%
+10.8% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
37%
Net Interest Margin ? 3.47%
+11.2% YoY +2.2% QoQ
-0.52% 3.99%
+5.0% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
26%
Efficiency Ratio ? 64.98%
-4.4% YoY -0.4% QoQ
+0.50% 64.48%
-3.2% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
42%
Delinquency Rate ? 0.15%
-91.8% YoY -78.5% QoQ
-0.77% 0.92%
+15.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
70%
Loan-to-Deposit Ratio ? 76.16%
-2.9% YoY +1.5% QoQ
-1.79% 77.95%
+1.0% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
57%
Non-Interest-Bearing Deposit Share ? 13.44%
+7.8% YoY -3.5% QoQ
-8.59% 22.03%
-0.6% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
19%
Nonperforming Asset Ratio ? 0.09%
-91.8% YoY -78.2% QoQ
-0.58% 0.67%
+16.4% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
72%
Tier 1 Capital Ratio ? 11.09%
+5.8% YoY +0.6% QoQ
-4.82% 15.91%
+1.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
24%
Non-Interest Income / Assets ? 0.28%
+11.6% YoY +107.7% QoQ
-0.29% 0.57%
+7.6% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
69%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Noninterest-Bearing 13.4%
+1.0pp YoY
-0.5pp QoQ
 -8.7pp 22.1% 17.6% 22.2% 18%
Brokered Deposits n/a n/a 7.9% 8.9% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 12.7%
+1.3pp YoY
+0.2pp QoQ
 +1.1pp 11.6% 12.3% 12.5% 67%
CRE 19.8%
-0.9pp YoY
+0.6pp QoQ
 -19.7pp 39.5% 32.3% 41.4% 18%
1-4 Family 12.5%
+1.2pp YoY
-0.4pp QoQ
 -20.2pp 32.6% 16.9% 31.3% 14%
Consumer 1.6%
+0.2pp YoY
+0.2pp QoQ
 -2.5pp 4.1% 3.1% 5.0% 40%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.1% 19.7% n/a
Leverage Ratio 11.1%
+0.6pp YoY
+0.1pp QoQ
 -1.1pp 12.2% 12.1% 12.6% 52%
Total Capital Ratio n/a n/a 19.9% 17.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 83
+1 (+1.2%) YoY
+4 (+5.1%) QoQ
 +24 58 98 482 79%
Assets per Employee ($) $7.2M
-1.7% YoY
-4.7% QoQ
 -$360K $7.5M $8.5M $8.8M 55%
Branch Count 7
0 YoY
0 QoQ
 +2 4 7 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-1.7pp YoY
-0.6pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 35%
Nonaccrual 0.1%
0.0pp YoY
+0.1pp QoQ
 -0.8pp 0.9% 0.8% 1.0% 20%
Allowance Coverage 10.01x
+1169.9% YoY
+353.9% QoQ
 -14.14x 24.15x 31.69x 20.23x 82%
Net Charge-off Rate (YTD) 0.0%
+0.1pp YoY
+0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 63%

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 9.6%
+1.3pp YoY
+0.1pp QoQ
 -2.6pp 12.2% 12.3% 11.6% 34%
Cost of Funds (YTD) 1.9%
-0.3pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.9% 1.7% 64%
Net Income ($, YTD) $3.1M
+31.9% YoY
— QoQ
 +$582K $2.6M $6.1M $40.4M 72%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk
#173 of 661 • Bottom 26.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 11.09%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Flatlined Growth

risk
#175 of 529 • Bottom 32.9% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.06%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

531
Total Assets
size
Value: $594.10M
Peer Median: $386.57M
#531 of 2643 Top 20.1% in $100M-$1B
551
Total Deposits
size
Value: $494.92M
Peer Median: $326.73M
#551 of 2643 Top 20.8% in $100M-$1B
617
Total Loans
size
Value: $376.92M
Peer Median: $258.35M
#617 of 2643 Top 23.3% in $100M-$1B

Top Weaknesses (2 metrics)

2146
Non-Interest-Bearing Deposit Share
funding
Value: 13.44%
Peer Median: 22.03%
#2146 of 2643 Bottom 18.8% in $100M-$1B
1998
Tier 1 Capital Ratio
capital
Value: 11.09%
Peer Median: 15.91%
#1998 of 2643 Bottom 24.4% in $100M-$1B
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