MRV Banks
Total assets
$803.1M
▲ +5.1% YoY
Deposits
$668.5M
▲ +9.1% YoY
Loans
$640.0M
▲ +5.1% YoY
Offices
5
MRV FINANCIAL CORP
ROA (annualized)
1.58%
peers 1.28%
ROE (annualized)
14.53%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | MRV Banks | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.9% | +0.2 pts |
| Deposit growth (YoY) | +9.1% | +4.3% | +4.8 pts |
| Loan growth (YoY) | +5.1% | +5.3% | -0.2 pts |
| ROA | 1.58% | 1.28% | +0.3 pts |
| ROE | 14.5% | 12.4% | +2.1 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
Profile
- Established
- 2007
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- MRV FINANCIAL CORP
- Specialization
- Commercial Lending Specialization
- Address
- 871 Sainte Genevieve Drive, Sainte Genevieve, MO, 63670
- County
- Ste. Genevieve
- Offices
- 5
- FDIC cert #
- 58619
- RSSD ID
- 3482111
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $803.1M | $668.5M | $640.0M | $91.7M | $6.4M | 1.58% | 4.28% | 6.43% |
| Q1 2026 | $787.1M | $641.4M | $630.6M | $88.8M | $3.4M | 1.67% | 4.39% | 6.08% |
| Q4 2025 | $858.0M | $730.9M | $626.9M | $85.3M | $-4.8M | -0.60% | 4.05% | 5.07% |
| Q3 2025 | $809.9M | $662.1M | $620.8M | $90.5M | $0 | 0.00% | 4.06% | 3.88% |
| Q2 2025 | $764.3M | $612.6M | $608.7M | $94.0M | $3.8M | 0.96% | 4.00% | 4.88% |
| Q1 2025 | $762.3M | $640.4M | $604.1M | $92.0M | $1.5M | 0.78% | 3.60% | 2.86% |
| Q4 2024 | $822.9M | $703.0M | $615.0M | $90.2M | $10.8M | 1.44% | 4.04% | 2.76% |
| Q3 2024 | $738.6M | $618.5M | $596.9M | $89.6M | $9.6M | 1.73% | 4.10% | 2.68% |
Loan mix (Q2 2026): real estate $437.6M · commercial $218.3M · consumer $3.1M · securities $24.8M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | MRV Banks | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.58% | 1.28% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 12.4% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.89% | 72th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.5% | 61.2% | 13th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | MRV Banks | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | MRV Banks | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | MRV Banks | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | MRV Banks | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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