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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Sainte Genevieve, MO · FDIC certificate #58619
MRV BANKS is an FDIC-insured institution based in Sainte Genevieve, MO (FDIC certificate #58619). In its Q3 2026 Call Report it reported total assets of $787M, total deposits of $658M and net loans of $632M. Its primary federal regulator is FDIC.
Plain-language readout
MRV BANKS has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $803M in Q2 2026 and were lowest at $787M in Q3 2026.
Total deposits were highest at $668M in Q2 2026 and lowest at $641M in Q1 2026.
Over the whole period total assets fell 0.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $787M | $658M | $632M | 1.71% | 15.47% | 4.30% |
| Q2 2026 | $803M | $668M | $640M | 1.58% | 14.53% | 4.28% |
| Q1 2026 | $787M | $641M | $631M | 1.67% | 15.77% | 4.39% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $64.7M | $60.2M | +$4.5M | +7.6% |
| Federal funds sold | $18.7M | $14.0M | +$4.6M | +33.1% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $24.7M | $25.9M | -$1.1M | -4.4% |
| Equity securities with readily determinable fair values, not held for trading | $95K | $72K | +$23K | +31.9% |
| Loans and leases held for sale | $670K | $0K | +$670K | n/a |
| Net loans and leases (after allowance) | $639.3M | $630.6M | +$8.7M | +1.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $7.2M | $7.1M | +$135K | +1.9% |
| Other real estate owned | $13.6M | $13.6M | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $34.1M | $35.7M | -$1.6M | -4.6% |
| Total assets | $803.1M | $787.1M | +$16.0M | +2.0% |
| Liabilities | ||||
| Total deposits | $668.5M | $641.4M | +$27.0M | +4.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $35.0M | $50.0M | -$15.0M | -30.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $7.9M | $6.9M | +$995K | +14.4% |
| Total liabilities | $711.4M | $698.4M | +$13.0M | +1.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $4.1M | $4.1M | $0K | 0.0% |
| Surplus | $18.1M | $18.1M | $0K | 0.0% |
| Retained earnings | $69.7M | $66.7M | +$3.0M | +4.5% |
| Accumulated other comprehensive income | -$284K | -$222K | -$62K | -27.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $91.7M | $88.8M | +$2.9M | +3.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $51.6M | $47.9M | +$3.7M | +7.8% |
| Adjusted nonperforming assets | $51.6M | $47.9M | +$3.7M | +7.8% |
| Tangible equity plus allowance | $116.4M | $113.1M | +$3.3M | +2.9% |
| Texas ratio (gross) | 44.35% | 42.36% | +1.99 pts | See points |
| Texas ratio (adjusted) | 44.35% | 42.36% | +1.99 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 52.49% | 51.10% | +1.39 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.48% | 11.03% | +0.45 pts | See points |
| Construction and land loans to total capital | 52.44% | 48.42% | +4.02 pts | See points |
| Commercial real estate to total capital | 223.67% | 230.94% | -7.27 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.51% | -0.45% | -0.05 pts | See points |
| Liquidity | ||||
| Core deposits | $497.4M | $487.5M | +$9.8M | +2.0% |
| Non-core funding | $206.1M | $203.9M | +$2.2M | +1.1% |
| Loans to core deposits | 133.50% | 134.33% | -0.83 pts | See points |
| Loans to deposits | 99.33% | 102.10% | -2.77 pts | See points |
| Brokered deposits share of deposits | 17.95% | 16.24% | +1.71 pts | See points |
| Pledged securities share of securities | 13.14% | 12.62% | +0.52 pts | See points |
| Loans pledged, share of loans | 33.37% | 34.28% | -0.91 pts | See points |
| Volatile liabilities | $206.1M | $203.9M | +$2.2M | +1.1% |
| Earnings | ||||
| Earnings before provision, year to date | $9.6M | $5.3M | +$4.3M | +80.2% |
| Earnings before provision, single quarter | $4.3M | $5.3M | -$1.1M | -19.8% |
| Provision for credit losses, year to date | $1.5M | $986K | +$533K | +54.1% |
| Yield and cost | ||||
| Yield on loans and leases | 6.84% | 7.28% | -0.45 pts | See points |
| Yield on interest-bearing balances due from banks | 3.60% | 3.57% | +0.03 pts | See points |
| Total interest income to average assets | 6.17% | 6.37% | -0.20 pts | See points |
| Cost of interest-bearing transaction accounts | 2.50% | 2.52% | -0.02 pts | See points |
| Cost of savings and money market deposits | 2.80% | 2.23% | +0.57 pts | See points |
| Cost of time deposits | 3.70% | 3.81% | -0.11 pts | See points |
| Total interest expense to average assets | 2.29% | 2.22% | +0.07 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $787M | $658M | $632M | 1.71% | 15.47% | 4.30% |
| 2026-06-30 | $803M | $668M | $640M | 1.58% | 14.53% | 4.28% |
| 2026-03-31 | $787M | $641M | $631M | 1.67% | 15.77% | 4.39% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| MO | $612.6M | 0.23% | 67 | Continuing · -0.02 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.