BlastPoint's Banking Scorecard

MNB BANK

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

Mccook, NE

7 branches across NE · CO

2664 banks in the $100M-$1B peer group nationally 82 in NE

MNB BANK has 2 strengths 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

+ Efficiency Ratio 0.05% below tier average
+ Delinquency Rate 0.20% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 28.8% in tier
- Capital Thin: Bottom 34.7% in tier
- Flatlined Growth: Bottom 48.2% in tier
- ROA 0.23% below tier average
- Net Interest Margin 0.54% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$593.6M +1.0% YoY -0.2% QoQ	+$207.6M	$386.1M +0.5% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	80%
Total Loans ?	$372.2M +2.1% YoY -3.3% QoQ	+$116.5M	$255.7M +1.1% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	77%
Total Deposits ?	$496.3M +2.2% YoY -0.2% QoQ	+$168.3M	$328.0M +0.1% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	79%
Return on Assets ?	1.04% +58.7% YoY +18.7% QoQ	-0.23%	1.27% +12.9% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	40%
Net Interest Margin ?	3.39% +12.1% YoY +4.6% QoQ	-0.54%	3.93% +6.0% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	26%
Efficiency Ratio ?	65.24% -9.7% YoY -3.7% QoQ	-0.05%	65.29% -4.5% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	44%
Delinquency Rate ?	0.68% +275.0% YoY +766.1% QoQ	-0.20%	0.89% +18.8% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	37%
Loan-to-Deposit Ratio ?	75.00% -0.1% YoY -3.1% QoQ	-1.64%	76.64% +0.8% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	57%
Non-Interest-Bearing Deposit Share ?	13.93% +7.6% YoY -5.9% QoQ	-8.09%	22.02% -1.0% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	20%
Nonperforming Asset Ratio ?	0.43% +279.3% YoY +739.7% QoQ	-0.21%	0.64% +19.7% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	42%
Tier 1 Capital Ratio ?	11.02% +5.5% YoY +2.8% QoQ	-4.81%	15.83% +1.5% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.14% +5.9% YoY -76.2% QoQ	-0.14%	0.28% +9.3% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	69%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (3)

Credit Risk Growth

risk

#281 of 973 • Bottom 28.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

Capital Thin

risk

#232 of 666 • Bottom 34.7% 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: 11.02%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#248 of 512 • Bottom 48.2% 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: 1.04%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

535

Total Assets

size

Value: $593.64M

Peer Median: $386.08M

#535 of 2664 Top 20.0% in $100M-$1B

558

Total Deposits

size

Value: $496.28M

Peer Median: $327.97M

#558 of 2664 Top 20.9% in $100M-$1B

620

Total Loans

size

Value: $372.22M

Peer Median: $255.72M

#620 of 2664 Top 23.2% in $100M-$1B

Top Weaknesses (2 metrics)

2123

Non-Interest-Bearing Deposit Share

funding

Value: 13.93%

Peer Median: 22.02%

#2123 of 2664 Bottom 20.3% in $100M-$1B

2051

Tier 1 Capital Ratio

capital

Value: 11.02%

Peer Median: 15.83%

#2051 of 2664 Bottom 23.0% in $100M-$1B