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MRV Banks

Sainte Genevieve, MO · Cert 58619 · MRV Financial Corp.

State charter, non-member · FDIC · 5 branches

Q2 2026

$803.1MAssets
$664.6MLoans
$668.5MDeposits
$91.7MEquity
Loan mix
67%RE $436.7M32%C&I $210.7M1%Consumer $3.4MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $570.7M15%Noninterest $97.7MQ2 2025Q2 2026

NIM

6.34%Q2 ’246.75%Q2 ’256.17%Q2 ’26+13%-10%

Non-interest income vs. expense

1.80%Q2 ’241.83%Q2 ’252.18%Q2 ’26+9%+28%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #69 of 111 inst. · $0.2B of $141.7B

48.6% Ste. Genevieve
1.5% St. Charles
3.9% Cape Girardeau
0.9% Jefferson

Executive Summary

  • Earnings: ROA of 1.51%, up 35 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 5.72% of loans (+115 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 11.48%, down 123 bps from a year ago.
  • Funding: loans stand at 99.43% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.51%+35 bps YoY

Net Interest Margin (quarter, annualized)

3.88%-42 bps YoY

Efficiency Ratio (quarter, annualized)

50.56%+1,220 bps YoY

Tier 1 Leverage Ratio

11.48%-123 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%-1.91%-2.32%1.67%1.51%+35 bps
Return on Equity9.54%-16.32%-22.03%15.77%13.31%+377 bps
Net Interest Margin4.30%4.09%3.76%4.14%3.88%-42 bps
Efficiency Ratio38.35%45.45%41.27%42.65%50.56%+1,220 bps
Non-Interest Burden1.36%1.58%1.29%1.50%1.75%+38 bps
Growth
Asset Growth (YoY)2.85%9.65%4.26%3.26%5.08%+223 bps
Loan Growth (YoY)2.39%3.69%3.89%6.45%6.72%+433 bps
Deposit Growth (YoY)-2.19%7.05%3.97%0.16%9.11%+1,130 bps
Asset Quality
Nonperforming Loans / Loans4.57%3.35%5.31%5.24%5.72%+115 bps
Net Charge-Offs / Loans12.85%6.98%-0.03%0.35%0.09%-1,276 bps
Allowance / Loans2.26%1.97%3.67%3.71%3.71%+144 bps
Allowance Coverage of NPLs0.5x0.6x0.7x0.7x0.6x+0.2x
Capital
Tier 1 Leverage Ratio12.71%11.85%10.23%11.03%11.48%-123 bps
Total Risk-Based Capital12.71%11.85%10.23%11.03%11.48%-123 bps
Equity / Assets12.30%11.17%9.95%11.28%11.42%-88 bps
Liquidity & Funding
Loans / Deposits101.66%95.64%89.04%102.10%99.43%-223 bps
Liquid Assets / Assets4.94%10.71%12.24%6.95%7.52%+258 bps
CRE / Total Capitaln/a359%405%386%n/an/a