McCook, NE · Cert 5434 · MNB Financial Services Inc.
State charter, Fed member · FED · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
33
Asset Quality
38
Profitability
29
Liquidity
79
Efficiency
28
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.
McCook, NE · Cert 5434 · MNB Financial Services Inc.
State charter, Fed member · FED · 7 branches
Q2 2026
Market Position · Grand Island, NE · 2026 SOD (annual) · 1.5% share · #15 of 22 inst. · $0.1B of $3.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.34% | 0.66% | 0.81% | 0.83% | 0.88% | 1.04% | 1.06% | +24 bps | |
| Return on Equity | 3.52% | 3.51% | 6.66% | 8.21% | 8.24% | 8.54% | 9.49% | 9.55% | +134 bps | |
| Net Interest Margin | 2.30% | 2.37% | 2.70% | 2.78% | 2.82% | 2.89% | 3.10% | 3.13% | +35 bps | |
| Efficiency Ratio | 76.54% | 76.62% | 72.22% | 67.95% | 67.21% | 67.74% | 65.24% | 64.98% | -297 bps | |
| Non-Interest Burden | 1.68% | 1.75% | 1.85% | 1.77% | 1.76% | 1.82% | 1.87% | 1.88% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.47% | 1.38% | -0.39% | 2.09% | 0.37% | 4.40% | 0.99% | -0.49% | -258 bps | |
| Loan Growth (YoY) | 12.45% | 10.08% | 17.46% | 11.90% | 10.54% | 12.86% | 2.24% | -1.18% | -1,309 bps | |
| Deposit Growth (YoY) | 1.29% | -0.38% | 0.12% | 1.38% | 1.03% | 4.28% | 2.20% | 1.71% | +32 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.29% | 0.18% | 1.76% | 1.48% | 0.08% | 0.67% | 0.15% | -162 bps | |
| Net Charge-Offs / Loans | 0.41% | 0.43% | 0.14% | -0.02% | -0.02% | 0.03% | -0.04% | 0.04% | +6 bps | |
| Allowance / Loans | 1.33% | 1.45% | 1.38% | 1.39% | 1.48% | 1.43% | 1.49% | 1.45% | +6 bps | |
| Allowance Coverage of NPLs | 4.9x | 5.1x | 7.7x | 0.8x | 1.0x | 18.4x | 2.2x | 10.0x | +9.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.12% | 10.22% | 10.45% | 10.48% | 10.48% | 10.72% | 11.02% | 11.09% | +61 bps | |
| Total Risk-Based Capital | 10.12% | 10.22% | 10.45% | 10.48% | 10.48% | 10.72% | 11.02% | 11.09% | +61 bps | |
| Equity / Assets | 10.03% | 9.84% | 9.82% | 10.04% | 10.62% | 10.94% | 10.98% | 11.26% | +122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.33% | 72.55% | 76.10% | 79.54% | 79.14% | 78.52% | 76.13% | 77.28% | -226 bps | |
| Liquid Assets / Assets | 1.52% | 0.21% | 0.31% | 0.22% | 0.14% | 0.70% | 3.97% | 3.54% | +332 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 127.12% | 125.97% | 109.68% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.06% | 0.93% | 1.20% | 1.51% | Beats 33% | 56 / 83 | ||
| Return on Equity | 9.38% | 8.04% | 10.34% | 13.11% | Beats 37% | 52 / 83 | ||
| Net Interest Margin | 3.13% | 3.25% | 3.62% | 4.02% | Beats 17% | 69 / 83 | ||
| Efficiency Ratio | 66.77% | 51.13% | 59.95% | 67.19% | Beats 28% | 61 / 83 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.15% | 0.00% | 0.19% | 0.96% | Beats 57% | 37 / 83 | ||
| Net Charge-Offs / Loans | 0.04% | n/a | 0.00% | 0.02% | Beats 18% | 69 / 83 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.09% | 10.94% | 13.24% | 16.62% | Beats 28% | 60 / 83 | ||
| Total Risk-Based Capital Ratio | 11.09% | 11.04% | 13.54% | 17.63% | Beats 25% | 62 / 83 | ||
| Equity / Assets | 11.26% | 9.90% | 11.31% | 13.84% | Beats 46% | 45 / 83 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.28% | 71.97% | 83.15% | 92.22% | 33rd pctl | 56 / 83 | ||
| Loans / Assets | 64.38% | 57.96% | 69.15% | 77.64% | 35th pctl | 54 / 83 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||