Mnb Bank (FDIC #5434): Bank Stress & Real-Estate Credit Exposure

Mnb Bank (FDIC Cert #5434): bank stress 65/100, elevated, STABLE over 7 days; parent MNB FINANCIAL SERVICES INC.

Mnb Bank (#5434) lends in 5 counties across 2 states; Mnb Bank (#5434) reaches 39 ZIP codes: Nebraska 4 counties, 33 ZIPs; Colorado 1 county, 6 ZIPs.

Mnb Bank (#5434) largest markets: Adams County, NE (14 branches, 14 ZIPs) (#5434), Hall County, NE (22 branches, 11 ZIPs) (#5434), Red Willow County, NE (16 branches, 8 ZIPs) (#5434), Kit Carson County, CO (6 branches, 6 ZIPs) (#5434), Hitchcock County, NE (6 branches, 6 ZIPs) (#5434).

Mnb Bank (#5434) reports $594.1 million in total assets; Mnb Bank (#5434) equity $66.9 million (11.3% of Mnb Bank (#5434) assets); Mnb Bank (#5434) domestic deposits $494.9 million; Mnb Bank (#5434) net income $3.1 million; Mnb Bank (#5434) return on assets 1.06%; Mnb Bank (#5434) return on equity 9.55%; Mnb Bank (#5434) net interest income $9.4 million; Mnb Bank (#5434) call report June 30, 2026.

Mnb Bank (#5434) noncurrent real-estate loans: none reported; Mnb Bank (#5434) net charge-offs on real estate 0.16%.

Mnb Bank (#5434) net interest margin 3.47% against an eight-quarter Mnb Bank (#5434) average of 3.09% (Mnb Bank (#5434) compression -0.38 points); Mnb Bank (#5434) rate-exposure score 40/100, Mnb Bank (#5434) fixed-rate trap 40/100; Mnb Bank (#5434) risk type credit driven; Mnb Bank (#5434) rate regime rates elevated, Mnb Bank (#5434) snapshot October 19, 2026.

Mnb Bank (#5434) stress score moved from 64.7 on June 22, 2026 to 65 on October 19, 2026; Mnb Bank (#5434) ranged 64.7 to 65 over 116 snapshots.

Mnb Bank (#5434) alerts: 5 counties; top Mnb Bank (#5434) alert scores: Burlington County, NE 22 (low); Grand Island County, NE 22 (low); Hastings County, NE 22 (low); Mccook County, NE 22 (low); Stratton County, NE 22 (low).