| Metric | MNB BANK | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +4.9% | -5.4 pts |
| Deposit growth (YoY) | +1.7% | +4.3% | -2.6 pts |
| Loan growth (YoY) | -1.3% | +5.3% | -6.6 pts |
| ROA | 1.06% | 1.28% | -0.2 pts |
| ROE | 9.6% | 12.4% | -2.9 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $594.1M | $494.9M | $376.9M | $66.9M | $3.1M | 1.06% | 3.47% | 0.09% |
| Q1 2026 | $593.6M | $496.3M | $372.2M | $65.2M | $1.5M | 1.04% | 3.39% | 0.43% |
| Q4 2025 | $595.0M | $497.2M | $384.8M | $65.1M | $5.2M | 0.88% | 3.24% | 0.05% |
| Q3 2025 | $591.9M | $485.1M | $378.2M | $62.9M | $3.7M | 0.83% | 3.19% | 0.96% |
| Q2 2025 | $597.0M | $486.6M | $381.7M | $59.9M | $2.4M | 0.81% | 3.12% | 1.14% |
| Q1 2025 | $587.8M | $485.6M | $364.5M | $57.7M | $948K | 0.66% | 3.03% | 0.11% |
| Q4 2024 | $569.9M | $476.8M | $340.9M | $56.1M | $2.0M | 0.34% | 2.67% | 0.17% |
| Q3 2024 | $589.7M | $480.1M | $342.7M | $59.2M | $1.5M | 0.34% | 2.60% | 0.16% |
Loan mix (Q2 2026): real estate $232.8M · commercial $47.8M · consumer $5.9M · securities $143.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | MNB BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 1.28% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 12.4% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.0% | 61.2% | 61st |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | MNB BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | MNB BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | MNB BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | MNB BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | MNB BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
7 branches in 5 counties across 2 states (+0 vs 2024) · $486.6M branch deposits. Biggest market: Red Willow, NE, ranked 1st with 46.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Red Willow, NE | 2 | $301.6M | 46.74% | 1st |
| Adams, NE | 1 | $74.2M | 5.18% | 6th |
| Hall, NE | 2 | $57.5M | 1.81% | 15th |
| 2 more counties with Pro → | ||||
Nebraska: 42nd with 0.46% · Colorado: 165th with 0.02% · Grand Island metro: 17th, 1.55% ·
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 7