MRV Banks: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 7.98 percentage points lower than in Q1 2026, at 247.56%. MRV Banks ranks 23rd of 191 Missouri banks on loan-to-deposit ratio, in the upper half at 99.43% (Q2 2026). MRV Banks reported 99.43% on loan-to-deposit ratio for Q2 2026, 18.88 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $664.6M |
| Net loans and leases | $640.0M |
| Loans held for sale | $670K |
| Loans to total assets | 82.76% |
| Loan-to-deposit ratio | 99.43% |
| Net loans to equity capital | 6.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.52% |
| Multifamily (5+ residential) | 3.26% |
| Commercial and industrial | 32.84% |
| Consumer | 0.47% |
| Credit cards | 0.17% |
| Farm | 4.70% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 247.56% |
| Construction concentration (Tier 1 capital + allowance) | 52.44% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.84% |
| Interest income on loans | $11.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $629.5M | $561.1M | 36.13% | 26.48% | 0.77% |
| Q4 2023 | $618.7M | $617.0M | 33.24% | 28.72% | 0.99% |
| Q1 2024 | $614.4M | $613.1M | 33.89% | 29.55% | 1.39% |
| Q2 2024 | $608.3M | $626.3M | 35.12% | 30.12% | 1.45% |
| Q3 2024 | $610.7M | $618.5M | 36.94% | 29.54% | 1.78% |
| Q4 2024 | $626.4M | $703.0M | 34.50% | 32.16% | 1.28% |
| Q1 2025 | $615.2M | $640.4M | 40.71% | 27.14% | 2.35% |
| Q2 2025 | $622.8M | $612.6M | 39.10% | 30.74% | 0.73% |
| Q3 2025 | $633.3M | $662.1M | 37.44% | 32.95% | 0.49% |
| Q4 2025 | $650.8M | $730.9M | 41.81% | 31.26% | 0.46% |
| Q1 2026 | $654.9M | $641.4M | 40.72% | 32.18% | 0.52% |
| Q2 2026 | $664.6M | $668.5M | 39.52% | 32.84% | 0.47% |
MRV Banks loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock MRV Banks, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full MRV Banks profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58619) · FFIEC NIC profile (RSSD 3482111)