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 | |