Sainte Genevieve, MO · Cert 58619 · MRV Financial Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in MO (n=82 to 83). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
43
Asset Quality
3
Profitability
65
Liquidity
0
Efficiency
81
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Sainte Genevieve, MO · Cert 58619 · MRV Financial Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #69 of 111 inst. · $0.2B of $141.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.73% | 1.44% | 0.78% | 0.96% | 0.00% | -0.60% | 1.67% | 1.58% | +62 bps | |
| Return on Equity | 14.99% | 12.58% | 6.79% | 8.18% | 0.00% | -5.35% | 15.77% | 14.53% | +635 bps | |
| Net Interest Margin | 3.87% | 3.70% | 3.48% | 3.96% | 3.93% | 3.64% | 4.14% | 4.02% | +7 bps | |
| Efficiency Ratio | 42.10% | 41.99% | 48.12% | 42.91% | 43.79% | 43.14% | 42.65% | 46.46% | +355 bps | |
| Non-Interest Burden | 1.32% | 1.26% | 1.41% | 1.41% | 1.44% | 1.31% | 1.50% | 1.63% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.14% | 12.24% | 4.97% | 2.85% | 9.65% | 4.26% | 3.26% | 5.08% | +223 bps | |
| Loan Growth (YoY) | -2.99% | 1.25% | 0.13% | 2.39% | 3.69% | 3.89% | 6.45% | 6.72% | +433 bps | |
| Deposit Growth (YoY) | 10.24% | 13.95% | 4.45% | -2.19% | 7.05% | 3.97% | 0.16% | 9.11% | +1,130 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.17% | 3.59% | 3.55% | 4.57% | 3.35% | 5.31% | 5.24% | 5.72% | +115 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.94% | 1.52% | 7.18% | 7.03% | 5.12% | 0.35% | 0.22% | -696 bps | |
| Allowance / Loans | 2.27% | 1.81% | 1.81% | 2.26% | 1.97% | 3.67% | 3.71% | 3.71% | +144 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.5x | 0.5x | 0.5x | 0.6x | 0.7x | 0.7x | 0.6x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.20% | 11.70% | 11.96% | 12.71% | 11.85% | 10.23% | 11.03% | 11.48% | -123 bps | |
| Total Risk-Based Capital | 12.20% | 11.70% | 11.96% | 12.71% | 11.85% | 10.23% | 11.03% | 11.48% | -123 bps | |
| Equity / Assets | 12.14% | 10.96% | 12.07% | 12.30% | 11.17% | 9.95% | 11.28% | 11.42% | -88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.74% | 89.10% | 96.07% | 101.66% | 95.64% | 89.04% | 102.10% | 99.43% | -223 bps | |
| Liquid Assets / Assets | 9.83% | 16.34% | 9.14% | 4.94% | 10.71% | 12.24% | 6.95% | 7.52% | +258 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 359% | 405% | 386% | n/a | n/a | |
Sainte Genevieve, MO · Cert 58619 · Peer group: banks under $1B in assets in MO (n=82-83) · MRV Financial Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
1.60%
Rank 27 of 83
Net Interest Margin
4.02%
Rank 31 of 83
Efficiency Ratio
46.46%
Rank 17 of 83
Equity / Assets
11.42%
Rank 28 of 83
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.60% | 0.96% | 1.32% | 1.75% | Beats 67% | 27 / 83 | ||
| Return on Equity | 14.04% | 9.66% | 12.96% | 15.76% | Beats 65% | 29 / 83 | ||
| Net Interest Margin | 4.02% | 3.35% | 3.85% | 4.16% | Beats 63% | 31 / 83 | ||
| Efficiency Ratio | 46.46% | 49.83% | 58.83% | 68.51% | Beats 81% | 17 / 83 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 5.72% | 0.08% | 0.51% | 1.01% | Beats 1% | 82 / 82 | ||
| Net Charge-Offs / Loans | 0.25% | 0.00% | 0.01% | 0.06% | Beats 5% | 79 / 82 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.48% | 11.01% | 12.49% | 14.98% | Beats 34% | 55 / 83 | ||
| Total Risk-Based Capital Ratio | 11.48% | 11.13% | 13.01% | 15.10% | Beats 28% | 60 / 83 | ||
| Equity / Assets | 11.42% | 8.83% | 10.71% | 13.29% | Beats 66% | 28 / 83 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 99.43% | 69.28% | 83.22% | 91.21% | 90th pctl | 8 / 82 | ||
| Loans / Assets | 82.76% | 59.34% | 71.15% | 78.36% | 89th pctl | 9 / 83 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||