# MNB BANK
MCCOOK, NE · FDIC certificate 5434 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $594.1M | |
| Deposits | $494.9M | |
| Loans and leases | $382.5M | |
| Total equity | $66.9M | |
| Loans / deposits | 76.16% (p37 of band) | 82.04% |
| Liquid assets / assets | 28.71% (p61 of band) | |
| Uninsured deposits / deposits | 24.92% (p46 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.95% (p57 of band) | |
| FHLB advances / assets | 4.95% | |
| Tier 1 leverage | 11.09% (p56 of band) | 10.81% |
| Unrealized securities loss / equity | -14.19% (p33 of band) | -8.10% |
| AOCI / equity | -0.36% (p49 of band) | |
| ROA (annualized) | 1.06% (p36 of band) | 1.28% |
| Net interest margin | 3.47% (p26 of band) | 3.91% |
| Efficiency ratio | 64.98% (p61 of band) | |
| Noncurrent loans | 0.15% (p28 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p68 of band) | |
| Reserve coverage of noncurrent | 1001.08% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 34.18% (p42 of band) | |
| Auto loans | $2.1M (0.54% of loans; DQ 0.05%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.7% | |
| Employees | 83 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2017-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2017-12 | 3 | charge-offs p90 |  |
| 2018-03 | 3 | capital falling | charge-offs p90 |
| 2018-06 | 4 | charge-offs p90 |  |
| 2018-09 | 3 |  | capital falling |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | charge-offs p90 |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2020-09 | 2 | capital falling, noncurrent p90 |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | charge-offs p90 |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 0 |  | noncurrent p90, charge-offs p90 |
| 2022-06 | 2 | AOCI drag >20% of equity, noncurrent p90 |  |
| 2022-09 | 3 | securities losses >30% of equity, charge-offs p90 | noncurrent p90 |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 1 | securities losses >30% of equity |  |
| 2024-06 | 3 | capital falling, charge-offs p90 |  |
| 2024-09 | 1 |  | securities losses >30% of equity, capital falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | charge-offs p90 |
| 2025-06 | 1 | reserve under noncurrent |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | reserve under noncurrent |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-11-07 [Heartland United Way makes holiday giving easy - Central Nebraska Today](https://news.google.com/rss/articles/CBMimwFBVV95cUxOc3d4RXpnTjVRWnRzWEtTN2FXQmlkOTFmb0h4aDhhZ2Njb0NIYzRHV0s1ZzJIWllBcFduNWhyWHNsYUc1SzF2QkxQOW9SdV9tVGRsX2ZoaUd6NFVtUFhrNG9NOXdVcTE3cXUzWFdUUDdVNXcxVzFKNmhzM2k3MFd4ZDVyZHpsMUJLaXFOR29kOEtJaFQ4WjkyNFNYcw?oc=5) · Central Nebraska Today
- 2025-08-18 [Beyond the data: McCook visit explores the local economy - Kansas City Fed](https://news.google.com/rss/articles/CBMilwFBVV95cUxQc0ZUMXhMcjI1c1h6N2tNLXlabXg4dlNzdXZ2enFQczhtLUxvUVlLbnFiOWQzdUllSnJHRFVyTjVjYnprS1F2OUprdTBnQU41WkxXb1lyZjhWTzRCN3VFeThuZ1pqWUJzTHhIWWtxUGp4U3VSbzJuM2N6NGlzZDZfRjlROXhEQW15QTZ2YnBOZUM4NFF0N3dB?oc=5) · Kansas City Fed
- 2023-10-16 [Sixth-floor surprise: In McCook, a California couple’s art gallery widens eyes - Nebraska Public Media](https://news.google.com/rss/articles/CBMiygFBVV95cUxPSkZKRWdPYlFpcGItOUxUYWlQZEFhX2t5WE5yRkpsOXphNjk4elVfbVZZcnc2eXRfYXlJSDZ6dG92WGQtcWRYMmwwOFpQT1NVVEoweklnallUbkxZdDRNZWFaOUE0WWVIbXptY3JTZkxSdFZQNEVxU1VQZFN1cEhRTkhFY3UxekIwU1U1RXBrckxZaWhHVlZ0SHQwOTZ3YWN4VnE2NXdqRXJ0T1NGTFdIRHZhNlJwV3h2d0ZCVXc5QXlrNmNkQl93RURR?oc=5) · Nebraska Public Media
- 2026-05-08 [KTIC 840 AM/98.3 FM/98.7 FM - Bankers Graduate from Leadership Program - Rural Radio Network](https://news.google.com/rss/articles/CBMif0FVX3lxTFBzTmxqNDRsZlV4ejM5XzV5NmpZVlI5aXhiNFUwVlJOX2gyTEpyeDVTemNseDFINkRET0VTMWZ4aWU1dVo0WDB2a0ItUkRaZWFvbGcydzQ3NlhlY005NDV5d3VUdTlzMU1mb0h5TUUtaDdsOVhBbkl6M090d2cxTFU?oc=5) · Rural Radio Network
- 2024-02-29 [New president joins Sioux Center Primebank - The N'West Iowa REVIEW](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPVldGaFozSnQ3YnlPQmVObzhqVmwxbGtvLVBkamc4ZkdHMTI5eG4xTWdZVmxxZjN0NXFKSEh5ZC1GelJNbDBEa3VxZUFuVmJRQ1hTYTdKWEY2UmxRTWp4c25pUnZSOTQwSWNvb2hqakU1R3l4LXdSeFFjWlVtSVFjbk1ianNjQnJSLU9LenBUWGJOdFlTbHNtWEtYcXFzNFBvVlhNX0pqQU5CMXVYTG56aWRxczZZU3NVVnNWWV9ZZ3FudDA?oc=5) · The N'West Iowa REVIEW
- 2024-11-07 [Big Give sets record - McCook Gazette](https://news.google.com/rss/articles/CBMickFVX3lxTE1VWkp0SDVuNldSdlgzV1p1ZW5HaXhKZ3pxekR3R1pGS2IxZGpTYjZyc2VodFNiN0J5Uk1kMnZDUzVpSkM5RkVpQm56VkJxenJNSnJ3Y0pqTjZmSHFwd3d3N1dhbjF6cUU4dFVOQ2Zqb0c0UQ?oc=5) · McCook Gazette
- 2023-12-21 [McCook attracting young residents, garnering national acclaim - KSNB](https://news.google.com/rss/articles/CBMioAFBVV95cUxNclNPMjZEemJoX01BZG55NDZOTmdIcW5YTXBxaDdNU2ZvcWZ6X1lQNVhFN3RmWVlSTW5mS0tEWVdLVXIwSE5JSlFleVRiTVlLak9CeV9mTnNUc3IzdmJ0MTR4UVppRlR3QkQyZzJuU1c3RFN1Ul9SRGZxeUFxeW1obEJkcWtlb0NsSG82aS1udnpHWGcwN0NNQ1J5aFJySERY0gG0AUFVX3lxTE95ZHd5ajRaN2tRTzJDdnpocmw2T25hZ1EyUWZWZTE1Z3FhX3ptbXdxQmM2ZjhPdzYyYTN4aHlyOFY4OWZ4aFlVSHpqV1VuaGU0WkRnWTRsNlhBdl92VWMzaUVxd3BwWHRuYkpqSG5OWm13R2FaTk8tdnZheW9TWnhhMS1Jb3AxTG91aFc1RG40ZTF2UHFLb3k3MUg2OXdMeGNmQTViUTJYSjdzUXdPTms3Nm1iSg?oc=5) · KSNB
- 2026-07-26 [KUVR - McCook slips past Holdrege after late rally - Rural Radio Network](https://news.google.com/rss/articles/CBMigwFBVV95cUxOS1hyRmVKaE9qR2gwQ3N2UENZV3VRMmgxdjBlLUNlUjhwVHhDTGVIT3NiNDVac3NvTHcxVGRxZkEzdkhVY0padFA2OU05emVVOWZfMzNnWE15QmlSZnhNeFNVa0dnZ0gtZEF1VzR4S3kzdGNWTjgxRHJsWl84dS1NVXlDdw?oc=5) · Rural Radio Network

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5434 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/58.json (key "5434", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide