Total Assets
$595M
Total balance-sheet footings
FDIC Cert #5434 · Mccook, Nebraska · Est. 1907
MNB BANK - FDIC Bank Health Profile
A community-scale look at MNB BANK's own numbers, pulled straight from its quarterly FDIC Call Report.
- $595M
- Total assets
- B
- Health grade · Good
- 0.88%
- Return on assets
- 10.7%
- Tier 1 capital
Data updated July 2026
The verdict
MNB BANK earns a PlainBankData health grade of B (70/100), with well-capitalized at 10.72% Tier 1, 0.88% ROA, 68% efficiency ratio.
- #1,577
- largest of 4,313 FDIC banks by assets
- 63rd
- percentile by asset size, nationally
- 10.72%
- Tier 1 ratio - above the 10% well-capitalized line
- 34th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How MNB BANK's 70/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
MNB BANK's composite health score
Tier 1 Capital Ratio (10.72%) 28/40
Return on Assets (ROA) (0.88%) 14/25
Texas Ratio (0.43%) 20/20
Efficiency Ratio (67.74%) 8/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$497M
Customer-funded liabilities
Net Loans
$385M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where MNB BANK ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. MNB BANK's score of 70/100 falls in the highlighted band.
MNB BANK's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). MNB BANK's $595M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.72% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.72%
Texas Ratio
0.43%
Equity Capital
$65M
Profitability metrics
Return on Assets (ROA)
34th percentile nationally
0.88%
Return on Equity (ROE)
8.54%
Efficiency Ratio
67.74%
What the numbers say about MNB BANK
MNB BANK is an FDIC-insured institution (Certificate #5434) headquartered in Mccook, Nebraska, established in 1907. It holds $595M in total assets - 1,577th of 4,313 FDIC-insured banks, $497M in customer deposits, and $385M in net loans. Capital-wise, the Tier 1 ratio sits at 10.72%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.43%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (70 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
MNB BANK sits 32nd of 142 banks headquartered in Nebraska by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$29M
Interest Income
$3M
Non-Interest Income
$14M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. MNB BANK reports a Texas Ratio of 0.43% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.43% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Nebraska by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) MNB BANK (FDIC Cert #5434) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Nebraska
All Nebraska banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of OmahaOmaha | $34.6B | A | 1.51% |
| Union Bank and Trust CompanyLincoln | $9.1B | A | 1.60% |
| Pinnacle BankLincoln | $8.9B | A | 1.26% |
| American National BankOmaha | $5.2B | A | 1.32% |
| Cornerstone BankYork | $2.8B | B | 1.11% |
| Security First BankLincoln | $2.2B | B | 0.90% |
| Five Points BankGrand Island | $2.1B | A | 1.47% |
| Security National Bank of OmahaOmaha | $1.7B | A | 1.28% |
Frequently asked questions
What is MNB BANK's health grade?▼
MNB BANK receives a health grade of B (70/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is MNB BANK?▼
MNB BANK holds $595M in total assets and $497M in deposits, ranking 1,577th of 4,313 FDIC-insured banks by asset size. It is headquartered in Mccook, Nebraska.
Is my money safe at MNB BANK?▼
Yes, deposits at MNB BANK (Certificate #5434) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is MNB BANK's Tier 1 Capital Ratio?▼
MNB BANK has a Tier 1 Capital Ratio of 10.72%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for MNB BANK?▼
MNB BANK has a Texas Ratio of 0.43%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is MNB BANK?▼
MNB BANK has an Efficiency Ratio of 67.74%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read MNB BANK's profile as a depositor or analyst.
- MNB BANK's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare MNB BANK against other Nebraska banks before moving funds. Nebraska banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.