MRV Banks
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
$803.1MAssets
$664.6MLoans
$668.5MDeposits
$91.7MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 81% of banks under $1B in assets in MO (rank 17 of 83).
- Widest gap: nonperforming loans / loans trails 99% of banks under $1B in assets in MO (rank 82 of 82).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $13.0M · efficiency ratio beats 81% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |