BlastPoint's Banking Scorecard

MNB BANK

Community Specialty: Agricultural NE FDIC cert 5434

Mccook, NE

1484 banks in Community tier nationally 39 in NE

View Community leaderboard (NE) →

MNB BANK faces 1 concern requiring attention

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 45% in Community

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$595.0M +4.4% YoY +0.5% QoQ	-$796.5M	$1.4B +2.0% YoY	$784.0M +6.0% YoY	$5.9B +6.5% YoY	Bottom 14% in tier
Total Loans ?	$384.8M +12.9% YoY +1.7% QoQ	-$590.7M	$975.5M +2.4% YoY	$552.2M +6.8% YoY	$3.1B +8.5% YoY	Bottom 12% in tier
Total Deposits ?	$497.2M +4.3% YoY +2.5% QoQ	-$667.4M	$1.2B +1.7% YoY	$649.0M +5.0% YoY	$4.7B +6.3% YoY	Bottom 13% in tier
Return on Assets ?	0.88% +157.7% YoY +5.5% QoQ	-0.29%	1.16% +17.2% YoY	1.20% +15.2% YoY	1.12% +15.6% YoY	30%
Net Interest Margin ?	3.24% +21.4% YoY +1.8% QoQ	-0.42%	3.66% +9.1% YoY	3.74% +7.8% YoY	3.75% +7.1% YoY	27%
Efficiency Ratio ?	67.74% -11.6% YoY +0.8% QoQ	+5.11%	62.63% -5.3% YoY	61.59% -6.3% YoY	65.09% -5.1% YoY	33%
Delinquency Rate ?	0.08% -72.7% YoY -94.7% QoQ	-0.55%	0.63% +18.3% YoY	0.29% +38.1% YoY	0.66% +20.3% YoY	84%
Loan-to-Deposit Ratio ?	77.39% +8.3% YoY -0.7% QoQ	-5.67%	83.06% +0.3% YoY	82.86% +0.3% YoY	78.04% +0.7% YoY	68%
Non-Interest-Bearing Deposit Share ?	14.80% +14.0% YoY +17.6% QoQ	-6.24%	21.05% -0.9% YoY	18.22% -2.1% YoY	21.79% -1.3% YoY	25%
Nonperforming Asset Ratio ?	0.05% -70.5% YoY -94.7% QoQ	-0.45%	0.50% +20.3% YoY	0.26% +54.6% YoY	0.48% +20.8% YoY	Top 14% in tier
Tier 1 Capital Ratio ?	0.00%	-10.24%	10.24% -0.6% YoY	6.79% +0.2% YoY	9.75% -1.9% YoY	29%
Non-Interest Income / Assets ?	0.57% +16.4% YoY +39.2% QoQ	-0.17%	0.74% -1.3% YoY	0.47% -3.0% YoY	0.65% +0.6% YoY	57%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (1)

Capital Thin

risk

#193 of 432 · Bottom 45% in Community

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

Why this signature

Tier 1 Risk-Based Capital Ratio: 0.00%

(Tier: 10.24%, National: 9.75%)

worse than tier avg

432 of 432 Community banks match · 505 nationally

→ Stable +11 banks QoQ | QoQ rank declining

Metric Rankings

How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Nonperforming Asset Ratio

Current: 0.05% · Tier avg: 0.50%

86th pctile

Delinquency Rate

Current: 0.08% · Tier avg: 0.63%

84th pctile

Loan-to-Deposit Ratio

Current: 77.39% · Tier avg: 83.06%

68th pctile

Non-Interest Income / Assets

Current: 0.57% · Tier avg: 0.74%

57th pctile

Efficiency Ratio

Current: 67.74% · Tier avg: 62.63%

33th pctile

Return on Assets

Current: 0.88% · Tier avg: 1.16%

30th pctile

Tier 1 Capital Ratio

Current: 0.00% · Tier avg: 10.24%

29th pctile

Net Interest Margin

Current: 3.24% · Tier avg: 3.66%

27th pctile

Non-Interest-Bearing Deposit Share

Current: 14.80% · Tier avg: 21.05%

25th pctile

Total Assets

Current: $595.0M · Tier avg: $1.4B

14th pctile

Total Deposits

Current: $497.2M · Tier avg: $1.2B

13th pctile

Total Loans

Current: $384.8M · Tier avg: $975.5M

12th pctile

Top Weaknesses