BlastPoint's Banking Scorecard

MRV Banks

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

Sainte Genevieve, MO

5 branches across MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
Deposits +9.1% year over year ($668.5M on the books).
Delinquency rate 5.94%.
Return on assets 1.58%.
Efficiency ratio 46.46% vs a 64.48% peer average.
Loan-to-deposit ratio 95.74% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO

View $100M-$1B leaderboard (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

+ ROA 0.25% above tier average
+ Net Interest Margin 0.29% above tier average
+ Efficiency Ratio 18.02% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 36.5% in tier
- NIB Deposit Bleed: Bottom 52.5% in tier
- Delinquency Rate 5.02% above tier average
- Nonperforming Asset Ratio 5.76% above tier average

Get updates when MRV Banks releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$803.1M +5.1% YoY +2.0% QoQ	+$416.5M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	Top 7.9% in tier
Total Loans ?	$640.0M +5.1% YoY +1.5% QoQ	+$381.7M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	Top 4.5% in tier
Total Deposits ?	$668.5M +9.1% YoY +4.2% QoQ	+$341.7M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	Top 8.6% in tier
Return on Assets ?	1.58% +64.1% YoY -5.5% QoQ	+0.25%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	70%
Net Interest Margin ?	4.28% +6.8% YoY -2.7% QoQ	+0.29%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	69%
Efficiency Ratio ?	46.46% +8.3% YoY +8.9% QoQ	-18.02%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	Top 10.9% in tier
Delinquency Rate ?	5.94% +27.2% YoY +9.2% QoQ	+5.02%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	Bottom 1.7% in tier
Loan-to-Deposit Ratio ?	95.74% -3.6% YoY -2.6% QoQ	+17.79%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	15%
Non-Interest-Bearing Deposit Share ?	14.62% -16.7% YoY -14.5% QoQ	-7.41%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	23%
Nonperforming Asset Ratio ?	6.43% +31.5% YoY +5.6% QoQ	+5.76%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	Bottom 0.5% in tier
Tier 1 Capital Ratio ?	11.48% -9.7% YoY +4.0% QoQ	-4.43%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	29%
Non-Interest Income / Assets ?	0.23% -7.2% YoY +88.6% QoQ	-0.34%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	58%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Noninterest-Bearing	14.6% -2.9pp YoY -2.5pp QoQ	-7.5pp	22.1%	20.9%	22.2%	22%
Brokered Deposits	18.0% +5.8pp YoY +1.7pp QoQ	+10.1pp	7.9%	7.4%	8.5%	88%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	34.1% +2.7pp YoY +0.7pp QoQ	+22.5pp	11.6%	12.3%	12.5%	97%
CRE	54.0% -0.8pp YoY -0.4pp QoQ	+14.4pp	39.5%	36.8%	41.4%	76%
1-4 Family	9.5% -0.8pp YoY -0.3pp QoQ	-23.1pp	32.6%	31.9%	31.3%	10%
Consumer	0.5% -0.3pp YoY -0.1pp QoQ	-3.6pp	4.1%	4.1%	5.0%	16%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	18.5%	19.7%	n/a
Leverage Ratio	11.5% -1.2pp YoY +0.4pp QoQ	-0.7pp	12.2%	11.6%	12.6%	57%
Total Capital Ratio	n/a	n/a	19.9%	19.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	78 +7 (+9.9%) YoY -1 (-1.3%) QoQ	+19	58	162	482	76%
Assets per Employee ($)	$10.3M -4.4% YoY +3.3% QoQ	+$2.8M	$7.5M	$8.0M	$8.8M	87%
Branch Count	5 0 YoY 0 QoQ	0	4	10	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	5.9% +1.3pp YoY +1.4pp QoQ	+5.0pp	0.9%	0.8%	1.0%	98%
Allowance Coverage	0.65x +30.8% YoY -8.5% QoQ	-23.51x	24.15x	10.47x	20.23x	16%
Net Charge-off Rate (YTD)	0.2% -7.0pp YoY -0.1pp QoQ	+0.1pp	0.1%	0.3%	0.2%	86%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	14.5% +6.3pp YoY -1.2pp QoQ	+2.3pp	12.2%	14.3%	11.6%	65%
Cost of Funds (YTD)	2.4% -0.2pp YoY 0.0pp QoQ	+0.7pp	1.7%	1.8%	1.7%	87%
Net Income ($, YTD)	$6.4M +71.0% YoY — QoQ	+$3.9M	$2.6M	$11.3M	$40.4M	93%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk

#253 of 691 • Bottom 36.5% 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: 95.74%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline

#86 of 162 • Bottom 52.5% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 14.62%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

120

Total Loans

size

Value: $640.01M

Peer Median: $258.35M

#120 of 2643 Top 4.5% in $100M-$1B

211

Total Assets

size

Value: $803.09M

Peer Median: $386.57M

#211 of 2643 Top 7.9% in $100M-$1B

227

Total Deposits

size

Value: $668.45M

Peer Median: $326.73M

#227 of 2643 Top 8.6% in $100M-$1B

289

Efficiency Ratio

profitability

Value: 46.46%

Peer Median: 64.48%

#289 of 2643 Top 10.9% in $100M-$1B

Top Weaknesses (4 metrics)

2631

Nonperforming Asset Ratio

credit_quality

Value: 6.43%

Peer Median: 0.67%

#2631 of 2643 Bottom 0.5% in $100M-$1B

2590

Delinquency Rate

credit_quality

Value: 5.94%

Peer Median: 0.92%

#2590 of 2633 Bottom 1.7% in $100M-$1B

2239

Loan-to-Deposit Ratio

liquidity

Value: 95.74%

Peer Median: 77.95%

#2239 of 2643 Bottom 15.3% in $100M-$1B

2048

Non-Interest-Bearing Deposit Share

funding

Value: 14.62%

Peer Median: 22.03%

#2048 of 2643 Bottom 22.6% in $100M-$1B