MRV Banks
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Data as of · sourced from FFIEC call reports. How we update
MRV Banks is an FDIC-insured commercial bank headquartered in Sainte Genevieve, MO, established in 2007 (FDIC certificate 58619), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $803.1M, up 5.1% from Q2 2025, the 49th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.48% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58619
- Headquarters
- Sainte Genevieve, MO
- Established
- 2007
- Total assets, Q2 2026
- $803.1M
- Assets vs Q2 2025
- +5.1%
- Tier 1 leverage ratio, Q2 2026
- 11.48%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 081919356
- Latest call report
- Q2 2026, FFIEC 051 · MRV Banks call report
- Holding company
- MRV FINANCIAL CORP
- Asset rank in state
- 49th of 191 in Missouri
Problem loans are rising at MRV Banks. It reported $803 million in assets at June 30, 2026, up 5.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 5.72% of loans from 4.57% a year earlier. It carries problem assets equal to 44.4% of the capital and reserves that would absorb them, 16.8 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 2.67% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $3.0 million, 35% above the same quarter a year earlier. The non-owner-occupied commercial real estate book ($178 million) is worsening: 12.33% of it is past due or on nonaccrual, up from 10.15% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.5 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, MRV Banks reported a return on assets of 1.50%, a nonperforming-loan ratio of 5.72% and a Texas ratio of 44.35%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, MRV Banks is the 49th largest of the 191 banks headquartered in Missouri. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.0% to $803.1M, loans rose 1.5% and deposits rose 4.2%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 32.8% of total loans, ahead of non-owner-occupied commercial real estate loans at 26.8%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in MO; its Sainte Genevieve office books 52% of its branch deposits. On its Q2 2026 call report, MRV Banks meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 871 Sainte Genevieve Drive, Sainte Genevieve, MO 63670
- County
- Ste. Genevieve
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 16, 2007
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 78
- Domestic deposits
- $668.5M
- Allowance for credit losses
- $24.6M
- Net charge-offs (YTD)
- $728K
- Average total assets
- $801.6M
- Average total loans
- $664.6M
- Average interest-bearing deposits
- $544.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 16, 2007
- FDIC Cert
- 58619
- Fed RSSD
- 3482111
- SEC CIK
- 1602431 → filed by MRV FINANCIAL CORP
- Website
- http://www.mrvbanks.com →
- Parent Holding Company
- MRV FINANCIAL CORP (RSSD 3482102)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, MRV Banks reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, MRV Banks's total assets ran between $726.2M (Q1 2024) and $858.0M (Q4 2025), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$803.1M total assets against $764.3M; $711.4M total liabilities against $670.2M.
$640.0M net loans and leases against $608.7M; $668.5M total deposits against $612.6M.
$24.8M securities against $34.5M; $83.4M cash and balances due against $72.6M.
$12.4M total interest income against $12.5M; $4.6M total interest expense against $4.5M.
$7.8M net interest income against $8.0M.
$873K total noninterest income against $862K; $4.4M total noninterest expense against $3.4M.
$533K provision for credit losses against $2.7M.
$3.0M net income against $2.2M.
1.50% return on assets against 1.19%; 4.06% net interest margin against 4.53%.
11.48% tier 1 leverage ratio against 12.71%.
Inside the full MRV Banks terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
MRV Banks rankings
Its closest position to the top of a national ranking is 18 of 3,640, for Texas Ratio; its furthest is 1,315 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -2.32% (Q4 2025) to 1.70% (Q1 2026) and its net interest margin ran from 3.62% (Q1 2025) to 4.53% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.48% | 1.50% | 5.72% | 44.35% | 4.06% |
| Q1 2026 | 11.03% | 1.70% | 5.24% | 42.36% | 4.40% |
| Q4 2025 | 10.23% | -2.32% | 5.31% | 39.81% | 3.96% |
| Q3 2025 | 11.85% | -1.97% | 3.35% | 30.55% | 4.29% |
| Q2 2025 | 12.71% | 1.19% | 4.57% | 34.53% | 4.53% |
| Q1 2025 | 11.96% | 0.80% | 3.55% | 21.16% | 3.62% |
| Q4 2024 | 11.70% | 0.65% | 3.59% | 22.35% | 3.95% |
| Q3 2024 | 12.20% | 1.45% | 3.17% | 19.13% | 3.93% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| MRV Banks (main office) | Sainte Genevieve , MO | 63670 | $347.7M |
| St. Charles Branch | Saint Charles , MO | 63304 | $148.3M |
| Cape Girardeau Branch | Cape Girardeau , MO | 63701 | $102.3M |
| Festus Branch | Festus , MO | 63028 | $36.5M |
| Cape Girardeau Branch | Cape Girardeau , MO | 63703 | $33.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MO, rank 65 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 59 applications, 58 loans originated, $22.3M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $925K approved, $462K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about MRV Banks
What are MRV Banks's total assets?
As of the Q2 2026 filing, MRV Banks reported total assets of $803.1 million in its FFIEC call report.
Where is MRV Banks headquartered?
It is headquartered in Sainte Genevieve, MO, United States.
When was MRV Banks founded?
It was established in 2007, per the FDIC institution directory.
Is MRV Banks FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58619). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates MRV Banks?
MRV Banks's primary federal regulator is the FDIC.
How many branches does MRV Banks operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is MRV Banks's Texas Ratio?
Its Texas Ratio is 44.35% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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