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MNB Bank

McCook, NE · Cert 5434 · MNB Financial Services Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in NE3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in NE (n=83). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

33

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

79

Q2 2024Q2 2026peer median

Efficiency

28

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

MNB Bank

McCook, NE · Cert 5434 · MNB Financial Services Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$594.1MAssets
$382.5MLoans
$494.9MDeposits
$66.9MEquity
Loan mix
82%RE $230.2M17%C&I $46.5M2%Consumer $5.2MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $428.4M13%Noninterest $66.5MQ2 2025Q2 2026

NIM

4.40%Q2 ’244.64%Q2 ’254.78%Q2 ’26+21%+13%

Non-interest income vs. expense

2.16%Q2 ’242.27%Q2 ’252.43%Q2 ’26+6%+6%

Market Position · Grand Island, NE · 2026 SOD (annual) · 1.5% share · #15 of 22 inst. · $0.1B of $3.6B

47.6% Red Willow
5.6% Adams
1.8% Hall
8.1% Kit Carson

Executive Summary

  • Earnings: ROA of 1.06%, up 24 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 0.15% of loans (-162 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 11.09%, up 61 bps from a year ago.
  • Funding: loans stand at 77.28% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.06%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.13%+35 bps YoY

Efficiency Ratio (YTD, annualized)

64.98%-297 bps YoY

Tier 1 Leverage Ratio

11.09%+61 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.83%0.88%1.04%1.06%+24 bps
Return on Equity8.21%8.24%8.54%9.49%9.55%+134 bps
Net Interest Margin2.78%2.82%2.89%3.10%3.13%+35 bps
Efficiency Ratio67.95%67.21%67.74%65.24%64.98%-297 bps
Non-Interest Burden1.77%1.76%1.82%1.87%1.88%+11 bps
Growth
Asset Growth (YoY)2.09%0.37%4.40%0.99%-0.49%-258 bps
Loan Growth (YoY)11.90%10.54%12.86%2.24%-1.18%-1,309 bps
Deposit Growth (YoY)1.38%1.03%4.28%2.20%1.71%+32 bps
Asset Quality
Nonperforming Loans / Loans1.76%1.48%0.08%0.67%0.15%-162 bps
Net Charge-Offs / Loans-0.02%-0.02%0.03%-0.04%0.04%+6 bps
Allowance / Loans1.39%1.48%1.43%1.49%1.45%+6 bps
Allowance Coverage of NPLs0.8x1.0x18.4x2.2x10.0x+9.2x
Capital
Tier 1 Leverage Ratio10.48%10.48%10.72%11.02%11.09%+61 bps
Total Risk-Based Capital10.48%10.48%10.72%11.02%11.09%+61 bps
Equity / Assets10.04%10.62%10.94%10.98%11.26%+122 bps
Liquidity & Funding
Loans / Deposits79.54%79.14%78.52%76.13%77.28%-226 bps
Liquid Assets / Assets0.22%0.14%0.70%3.97%3.54%+332 bps
CRE / Total Capitaln/a127.12%125.97%109.68%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

MNB Bank

McCook, NE · Cert 5434 · Peer group: banks under $1B in assets in NE (n=83) · MNB Financial Services Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$594.1MAssets
$382.5MLoans
$494.9MDeposits
$66.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 57% of banks under $1B in assets in NE (rank 37 of 83).
  • Widest gap: net interest margin trails 83% of banks under $1B in assets in NE (rank 69 of 83).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

1.06%

Rank 56 of 83

Net Interest Margin

3.13%

Rank 69 of 83

Efficiency Ratio

66.77%

Rank 61 of 83

Equity / Assets

11.26%

Rank 45 of 83

Non-interest income vs. expense

$3.3M$14.7MINCOMEEXPENSE
Unfavorable gap of $11.4M · efficiency ratio beats 28% of banks under $1B in assets in NE
Bank 66.77%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.06%0.93%1.20%1.51%Beats 33%56 / 83
Return on Equity9.38%8.04%10.34%13.11%Beats 37%52 / 83
Net Interest Margin3.13%3.25%3.62%4.02%Beats 17%69 / 83
Efficiency Ratio66.77%51.13%59.95%67.19%Beats 28%61 / 83
Asset Quality
Nonperforming Loans / Loans0.15%0.00%0.19%0.96%Beats 57%37 / 83
Net Charge-Offs / Loans0.04%n/a0.00%0.02%Beats 18%69 / 83
Capital
Tier 1 Capital Ratio11.09%10.94%13.24%16.62%Beats 28%60 / 83
Total Risk-Based Capital Ratio11.09%11.04%13.54%17.63%Beats 25%62 / 83
Equity / Assets11.26%9.90%11.31%13.84%Beats 46%45 / 83
Liquidity & Funding
Loans / Deposits77.28%71.97%83.15%92.22%33rd pctl56 / 83
Loans / Assets64.38%57.96%69.15%77.64%35th pctl54 / 83
Brokered Deposits / Depositsn/aNot reported for this institution