MRV Banks: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 6.00 percentage points lower than in Q1 2026, at 64.83%. Within Missouri, MRV Banks is 91st of 191 on return on assets, 1.50% as of Q2 2026. MRV Banks reported 1.50% on return on assets for Q2 2026, 0.24 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.48% |
| Equity capital to assets | 11.42% |
| Tangible equity to tangible assets | 11.42% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 5.72% |
| Non-performing assets ratio | 6.43% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 44.35% |
| Allowance for credit losses to loans | 3.71% |
| Reserve coverage of non-performing loans | 64.83% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.50% |
| Return on equity | 13.31% |
| Net interest margin | 4.06% |
| Efficiency ratio | 50.49% |
| Yield on earning assets | 6.46% |
| Cost of funds | 2.67% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.43% |
| Core deposits to total deposits | 74.41% |
| Brokered deposits to total deposits | 17.95% |
| Deposits to assets | 83.24% |
| Securities to assets | 3.09% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.88% | 2.41% | 4.64% | 0.08% | -0.01% |
| Q4 2023 | 11.24% | 2.45% | 4.82% | 0.06% | -0.01% |
| Q1 2024 | 11.67% | 1.86% | 4.31% | 1.81% | -0.01% |
| Q2 2024 | 11.97% | 1.94% | 3.93% | 2.76% | 0.02% |
| Q3 2024 | 12.20% | 1.45% | 3.93% | 3.17% | -0.01% |
| Q4 2024 | 11.70% | 0.65% | 3.95% | 3.59% | 3.88% |
| Q1 2025 | 11.96% | 0.80% | 3.62% | 3.55% | 1.52% |
| Q2 2025 | 12.71% | 1.19% | 4.53% | 4.57% | 13.19% |
| Q3 2025 | 11.85% | -1.97% | 4.29% | 3.35% | 7.02% |
| Q4 2025 | 10.23% | -2.32% | 3.96% | 5.31% | -0.03% |
| Q1 2026 | 11.03% | 1.70% | 4.40% | 5.24% | 0.36% |
| Q2 2026 | 11.48% | 1.50% | 4.06% | 5.72% | 0.09% |
MRV Banks vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock MRV Banks, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)