TellerScore

Mnb Bank is a state-chartered bank (fed member) headquartered in Mccook, Nebraska, in business for about 119 years. At the end of Q2 2026 it reported $594.1M in total assets and $494.9M in deposits, with 7 offices across 2 states.

Based on its Q2 2026 filing, Mnb Bank scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 65th. Its strongest component is problem-loan coverage (98/100; 0.8%), and its lowest is capital cushion (61/100; 11.09%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Tier 1 leverage ratio: 11.09%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.15%
Earnings62/100
Return on assets (annualized): 1.06%
Funding & liquidity73/100
Loans ÷ deposits and uninsured-deposit share: 76.2% · 24.9% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.77%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 20 points (55 → 75), mostly because the loan quality component improved by 54 points.

TellerScore
556575Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202466
Q4 202466
Q1 202570
Q2 202555
Q3 202559
Q4 202573
Q1 202671
Q2 202675
Tier 1 leverage ratio
5.00%8.04%11.09%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.07%
Q3 202410.12%
Q4 202410.22%
Q1 202510.45%
Q2 202510.48%
Q3 202510.48%
Q4 202510.72%
Q1 202611.02%
Q2 202611.09%
Noncurrent loans
0.08%0.92%1.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.13%
Q3 20240.27%
Q4 20240.29%
Q1 20250.18%
Q2 20251.76%
Q3 20251.48%
Q4 20250.08%
Q1 20260.67%
Q2 20260.15%
Return on assets
0.34%0.70%1.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.46%
Q3 20240.34%
Q4 20240.34%
Q1 20250.66%
Q2 20250.81%
Q3 20250.83%
Q4 20250.88%
Q1 20261.04%
Q2 20261.06%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$594.1M11.09%0.15%1.06%76.2%
Q1 202671$593.6M11.02%0.67%1.04%75.0%
Q4 202573$595.0M10.72%0.08%0.88%77.4%
Q3 202559$591.9M10.48%1.48%0.83%78.0%
Q2 202555$597.0M10.48%1.76%0.81%78.4%
Q1 202570$587.8M10.45%0.18%0.66%75.1%
Q4 202466$569.9M10.22%0.29%0.34%71.5%
Q3 202466$589.7M10.12%0.27%0.34%71.4%
Q2 202468$584.8M10.07%0.13%0.46%71.1%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.09%
52nd
Total risk-based capital0.00%
24th
Problem loans0.15%
69th
Net charge-offs0.04%
31st
Return on assets1.06%
37th
Net interest margin3.47%
26th
Efficiency ratio65.0%
42nd
Loans to deposits76.2%
57th
Uninsured deposits24.9%
47th
Loan-loss reserves1.45%
76th
Texas ratio0.8%
73rd

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Riverstone BankBank Eagle, NE76 out of 100, Strong$593.4M9.7%0.05%vs
Bank of the ValleyBank Bellwood, NE70 out of 100, Strong$581.9M9.9%0.05%vs
Heritage BankBank Wood River, NE86 out of 100, Very strong$611.6M23.0%1.18%vs
Madison County BankBank Madison, NE85 out of 100, Very strong$613.2M15.1%0.37%vs
Horizon BankBank Waverly, NE87 out of 100, Very strong$574.3M14.0%0.46%vs
Enterprise BankBank Omaha, NE70 out of 100, Strong$574.0M11.1%0.00%vs

Deposit insurance

Is my money safe at Mnb Bank?

Yes. Mnb Bank is an FDIC-insured institution (FDIC certificate #5434). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.9% of deposits ($123.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.09%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Mnb Bank lists 6 offices in 6 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Mnb Bank reported 149 home-loan applications under HMDA (LEI 2549003Q4MH7EVI34Z09): 135 originated ($16,885,000 total), 11 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Mnb Bank
Former names
The McCook National Bank; McCook National Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
5434
RSSD ID
575759
Primary regulator
FED
Holding company
Mnb Financial Services Inc
Established
October 1, 1907
Headquarters
220 Norris Ave, Mccook, NE 69001
Employees
83

Quick answers

Mnb Bank: common questions

Is Mnb Bank FDIC insured?

Yes. Mnb Bank is an FDIC-insured institution (FDIC certificate #5434). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Mnb Bank's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Mnb Bank ever failed?

There is no failure record for FDIC certificate #5434 in the FDIC failed bank list.

How many branches does Mnb Bank have?

7 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Mccook

InstitutionScoreAssetsCapitalProblem loansCompare
Horizon BankBank Waverly, NE87 out of 100, Very strong$574.3M14.0%0.46%vs
Adams Bank & TrustBank Ogallala, NE82 out of 100, Strong$1.3B14.1%0.55%vs
Stockmens BankBank Colorado Springs, CO75 out of 100, Strong$650.8M10.6%0.18%vs
Pinnacle BankBank Lincoln, NE74 out of 100, Strong$9.2B9.9%0.07%vs
Henderson State BankBank Henderson, NE72 out of 100, Strong$678.5M10.4%0.27%vs
Lincoln FSB of NebraskaBank Lincoln, NE69 out of 100, Moderate$387.3M11.7%0.46%vs