MNB Bank
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Data as of · sourced from FFIEC call reports. How we update
MNB Bank is an FDIC-insured commercial bank headquartered in McCook, NE, established in 1907 (FDIC certificate 5434), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $594.1M, down 0.5% from Q2 2025, the 32nd largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.09% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 5434
- Headquarters
- McCook, NE
- Established
- 1907
- Total assets, Q2 2026
- $594.1M
- Assets vs Q2 2025
- -0.5%
- Tier 1 leverage ratio, Q2 2026
- 11.09%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 104100783
- Latest call report
- Q2 2026, FFIEC 041 · MNB Bank call report
- Holding company
- MNB FINANCIAL SERVICES, INC.
- Asset rank in state
- 32nd of 138 in Nebraska
MNB Bank, based in Mccook, Nebraska, reported $594 million in assets at June 30, 2026. It shrank its loan book 1.2% over the year, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.15% of loans from 1.76%. Net income for the quarter rose 11% from a year earlier, to $1.6 million.
As of June 30, 2026, MNB Bank reported a return on assets of 1.05%, a nonperforming-loan ratio of 0.15% and a Texas ratio of 0.86%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, MNB Bank is the 32nd largest of the 138 banks headquartered in Nebraska. Between Q1 2026 and Q2 2026, its total assets rose 0.1% to $594.1M, loans rose 1.2% and deposits fell 0.3%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 29.1% of total loans, ahead of agricultural production loans at 23.6%. The FDIC Summary of Deposits lists 7 offices for it, in 6 cities across 2 states; its Mccook 2 offices book 61% of its branch deposits. Judged on its Q2 2026 call report, MNB Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 220 Norris Ave, McCook, NE 69001
- County
- Red Willow
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- October 1, 1907
- Former names
- McCook National Bank (2003-2018)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 83
- Domestic deposits
- $494.9M
- Allowance for credit losses
- $5.6M
- Net charge-offs (YTD)
- $74K
- Average total assets
- $606.1M
- Average total loans
- $373.6M
- Average interest-bearing deposits
- $427.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5434
- Fed RSSD
- 575759
- Website
- www.mnb.bank →
- Parent Holding Company
- MNB FINANCIAL SERVICES, INC. (RSSD 5340587)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, MNB Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, MNB Bank's total assets ranged from $548.7M (Q3 2023) to $597.0M (Q2 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$594.1M total assets against $597.0M; $527.2M total liabilities against $537.1M.
$376.9M net loans and leases against $381.7M; $494.9M total deposits against $486.6M.
$143.1M securities against $161.0M; $27.4M cash and balances due against $7.0M.
$7.3M total interest income against $7.2M; $2.5M total interest expense against $2.9M.
$4.8M net interest income against $4.3M.
$866K total noninterest income against $752K; $3.8M total noninterest expense against $3.3M.
$50K provision for credit losses against $125K.
$1.6M net income against $1.4M.
1.05% return on assets against 0.95%; 3.50% net interest margin against 3.17%.
11.09% tier 1 leverage ratio against 10.48%.
Inside the full MNB Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMNB Bank rankings
Its closest position to the top of a national ranking is 1,564 of 4,196, for total assets; its furthest is 2,756 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.10% (Q3 2024) to 1.05% (Q2 2026) and its net interest margin ran from 2.56% (Q3 2024) to 3.50% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.09% | 1.05% | 0.15% | 0.86% | 3.50% |
| Q1 2026 | 11.02% | 1.03% | 0.67% | 4.07% | 3.39% |
| Q4 2025 | 10.72% | 0.99% | 0.08% | 0.49% | 3.38% |
| Q3 2025 | 10.48% | 0.84% | 1.48% | 9.45% | 3.24% |
| Q2 2025 | 10.48% | 0.95% | 1.76% | 12.02% | 3.17% |
| Q1 2025 | 10.45% | 0.64% | 0.18% | 1.23% | 2.98% |
| Q4 2024 | 10.22% | 0.32% | 0.29% | 1.88% | 2.79% |
| Q3 2024 | 10.12% | 0.10% | 0.27% | 1.70% | 2.56% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| MNB Bank (main office) | Mccook , NE | 69001 | $302.9M |
| Hastings Branch | Hastings , NE | 68901 | $80.7M |
| Doniphan Branch | Doniphan , NE | 68832 | $47.3M |
| Burlington Colorado Branch | Burlington , CO | 80807 | $39.1M |
| Stratton Branch | Stratton , NE | 69043 | $16.9M |
| Grand Island Branch | Grand Island , NE | 68803 | $8.0M |
| West Auto Bank Branch | Mccook , NE | 69001 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2022 | Structure Change | Acquired Bank of Doniphan Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 8, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 8, 2003 | Structure Change | Acquired Commercial Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in NE, rank 43 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 149 applications, 135 loans originated, $16.9M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $32K approved, $32K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about MNB Bank
What are MNB Bank's total assets?
As of the Q2 2026 filing, MNB Bank reported total assets of $594.1 million in its FFIEC call report.
Where is MNB Bank headquartered?
It is headquartered in McCook, NE, United States.
When was MNB Bank founded?
It was established in 1907, per the FDIC institution directory.
Is MNB Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5434). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates MNB Bank?
MNB Bank's primary federal regulator is the Federal Reserve.
How many branches does MNB Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is MNB Bank's Texas Ratio?
Its Texas Ratio is 0.86% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was MNB Bank previously called?
The charter now named MNB Bank has also operated as McCook National Bank (2003-2018), per FDIC structure-change records.
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