MNB Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions dropped 11.9% in Q2 2026, from $31.2M to $27.4M. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, MNB Bank is 101st of 138 on loan-to-deposit ratio, 77.28% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. MNB Bank sits 3.27 points lower, at 77.28% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $27.4M |
| Cash and noninterest-bearing balances to assets | 4.62% |
| Cash and securities | $170.6M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $29.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.95% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.28% |
| Net loans and leases to deposits | 76.16% |
| Loans and leases to core deposits | 82.45% |
| Core deposits to total deposits | 93.73% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 65.15% | 94.53% | $0 | $25.2M |
| Q4 2023 | 65.66% | 94.94% | $0 | $24.7M |
| Q1 2024 | 64.87% | 94.58% | $0 | $46.5M |
| Q2 2024 | 72.06% | 94.46% | $0 | $46.5M |
| Q3 2024 | 72.33% | 92.40% | $0 | $46.5M |
| Q4 2024 | 72.55% | 91.97% | $0 | $34.3M |
| Q1 2025 | 76.10% | 91.98% | $0 | $41.5M |
| Q2 2025 | 79.54% | 92.05% | $0 | $47.3M |
| Q3 2025 | 79.14% | 93.88% | $0 | $40.9M |
| Q4 2025 | 78.52% | 93.47% | $0 | $29.4M |
| Q1 2026 | 76.13% | 93.68% | $0 | $29.4M |
| Q2 2026 | 77.28% | 93.73% | $0 | $29.4M |
MNB Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock MNB Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full MNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5434) · FFIEC NIC profile (RSSD 575759)