BlastPoint's Banking Scorecard

MRV Banks

$100M-$1B Specialty: Commercial MO FDIC cert 58619

Sainte Genevieve, MO

5 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

MRV Banks has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 17.4% in tier
+ Efficiency Ratio 22.63% below tier average
+ Net Interest Margin 0.46% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 40.6% in tier
- Capital Thin: Bottom 48.6% in tier
- Delinquency Rate 4.55% above tier average
- Nonperforming Asset Ratio 5.45% above tier average

Get updates when MRV Banks releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$787.1M +3.3% YoY -8.3% QoQ	+$401.0M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Top 8.6% in tier
Total Loans ?	$630.6M +4.4% YoY +0.6% QoQ	+$374.9M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Top 4.9% in tier
Total Deposits ?	$641.4M +0.2% YoY -12.2% QoQ	+$313.5M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	Top 10.1% in tier
Return on Assets ?	1.67% +114.0% YoY +377.1% QoQ	+0.40%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	76%
Net Interest Margin ?	4.39% +22.1% YoY +8.5% QoQ	+0.46%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	78%
Efficiency Ratio ?	42.65% -11.4% YoY -1.1% QoQ	-22.63%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	Top 6.2% in tier
Delinquency Rate ?	5.44% +50.5% YoY -1.4% QoQ	+4.55%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	Bottom 1.7% in tier
Loan-to-Deposit Ratio ?	98.31% +4.2% YoY +14.6% QoQ	+21.67%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	Bottom 10.4% in tier
Non-Interest-Bearing Deposit Share ?	17.09% -5.6% YoY +2.6% QoQ	-4.93%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	32%
Nonperforming Asset Ratio ?	6.08% +112.5% YoY +20.1% QoQ	+5.45%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	Bottom 0.5% in tier
Tier 1 Capital Ratio ?	11.03% -7.7% YoY +7.8% QoQ	-4.80%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.12% -8.7% YoY -72.8% QoQ	-0.16%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	63%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#117 of 666 • Top 17.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.67%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (2)

Liquidity Strain

risk

#262 of 643 • Bottom 40.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 98.31%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ

Capital Thin

risk

#325 of 666 • Bottom 48.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.03%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

132

Total Loans

size

Value: $630.61M

Peer Median: $255.72M

#132 of 2664 Top 4.9% in $100M-$1B

165

Efficiency Ratio

profitability

Value: 42.65%

Peer Median: 65.29%

#165 of 2664 Top 6.2% in $100M-$1B

230

Total Assets

size

Value: $787.13M

Peer Median: $386.08M

#230 of 2664 Top 8.6% in $100M-$1B

271

Total Deposits

size

Value: $641.43M

Peer Median: $327.97M

#271 of 2664 Top 10.1% in $100M-$1B

597

Net Interest Margin

profitability

Value: 4.39%

Peer Median: 3.93%

#597 of 2664 Top 22.4% in $100M-$1B

638

Return on Assets

profitability

Value: 1.67%

Peer Median: 1.27%

#638 of 2664 Top 23.9% in $100M-$1B

Top Weaknesses (4 metrics)

2652

Nonperforming Asset Ratio

credit_quality

Value: 6.08%

Peer Median: 0.64%

#2652 of 2664 Bottom 0.5% in $100M-$1B

2610

Delinquency Rate

credit_quality

Value: 5.44%

Peer Median: 0.89%

#2610 of 2654 Bottom 1.7% in $100M-$1B

2388

Loan-to-Deposit Ratio

liquidity

Value: 98.31%

Peer Median: 76.64%

#2388 of 2664 Bottom 10.4% in $100M-$1B

2048

Tier 1 Capital Ratio

capital

Value: 11.03%

Peer Median: 15.83%

#2048 of 2664 Bottom 23.2% in $100M-$1B