# MRV BANKS
SAINTE GENEVIEVE, MO · FDIC certificate 58619 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $803.1M | |
| Deposits | $668.5M | |
| Loans and leases | $664.6M | |
| Total equity | $91.7M | |
| Loans / deposits | 95.74% (p83 of band) | 82.04% |
| Liquid assets / assets | 13.47% (p13 of band) | |
| Uninsured deposits / deposits | 38.02% (p85 of band) | 25.97% |
| Brokered deposits | 14.94% | |
| Wholesale funding | 19.30% (p93 of band) | |
| FHLB advances / assets | 4.36% | |
| Tier 1 leverage | 11.48% (p62 of band) | 10.81% |
| Unrealized securities loss / equity | -0.61% (p89 of band) | -8.10% |
| AOCI / equity | -0.06% (p69 of band) | |
| ROA (annualized) | 1.58% (p69 of band) | 1.28% |
| Net interest margin | 4.28% (p71 of band) | 3.91% |
| Efficiency ratio | 46.46% (p12 of band) | |
| Noncurrent loans | 5.72% (p98 of band) | 0.43% |
| Net charge-offs (annualized) | 0.18% (p90 of band) | |
| Reserve coverage of noncurrent | 64.83% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 66.69% (p69 of band) | |
| Auto loans | $1.3M (0.19% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 9.1% | |
| Employees | 78 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | losing money |  |
| 2011-09 | 1 | capital falling | losing money |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 2 | losing money, reserve under noncurrent |  |
| 2012-09 | 0 |  | losing money, reserve under noncurrent |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 | charge-offs p90 | liquid assets <10% |
| 2015-06 | 1 | capital falling | loans exceed deposits, charge-offs p90 |
| 2015-09 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2015-12 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2016-03 | 2 | charge-offs p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | loans exceed deposits, liquid assets <10% | charge-offs p90 |
| 2016-12 | 2 | construction >100% equity | loans exceed deposits, liquid assets <10% |
| 2017-03 | 2 | loans exceed deposits | capital falling |
| 2017-06 | 2 | charge-offs p90 | loans exceed deposits |
| 2017-09 | 3 | loans exceed deposits, liquid assets <10% | charge-offs p90 |
| 2017-12 | 0 |  | construction >100% equity, loans exceed deposits, liquid assets <10% |
| 2018-03 | 0 |  |  |
| 2018-06 | 3 | loans exceed deposits, liquid assets <10%, construction >100% equity |  |
| 2018-09 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 2 | loans exceed deposits | capital falling |
| 2020-09 | 1 |  | loans exceed deposits |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2021-12 | 2 |  | liquid assets <10% |
| 2022-03 | 4 | wholesale funding >15%, liquid assets <10% |  |
| 2022-06 | 3 |  | wholesale funding >15% |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 2 |  | liquid assets <10% |
| 2023-09 | 3 | uninsured deposits leaving |  |
| 2023-12 | 1 |  | loans exceed deposits, uninsured deposits leaving |
| 2024-03 | 2 | noncurrent p90 |  |
| 2024-06 | 3 | reserve under noncurrent |  |
| 2024-09 | 2 |  | construction >100% equity |
| 2024-12 | 5 | brokered >10%, wholesale funding >15%, charge-offs p90 |  |
| 2025-03 | 4 |  | wholesale funding >15% |
| 2025-06 | 4 | wholesale funding >15% | brokered >10% |
| 2025-09 | 4 |  |  |
| 2025-12 | 7 | brokered >10%, capital falling, losing money |  |
| 2026-03 | 5 |  | capital falling, losing money |
| 2026-06 | 5 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-05-24 [MRV Banks to host 10-year anniversary celebration - KFVS12](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPa1l1enY0NTJrOGtQa0dzSlh6OU03SUFsYUx0RlNWVi02OVBMT2NHUXQtcnI1M2lmNjJYSUptQmhZRkl4RDlvb0VBeEFOSUNQQWZPcnpMTDB6WTBzZUFOdzdkUDVzWEVmdTFPWktvenpIdFppVDBQN2Jqek5QX2QyUDllc0prQ01l0gGcAUFVX3lxTE5nOXZ2aUtKTWlVUnRYOFJTUUI4REstaS1SUTRjcUR0M0hjN3VRTHpMU1BQNUV1aFBCWWhiaDhnc3M5Vl9JZEhTWlNSbUM4WnlocFRPbTdKWU5EYzQ4MmJXUWFNUVYwVVZVckFuaTFBUV9zaU0xajRQdXFONnFMVkV5MDAySUFza0phVGRDNVRqNGg1MFlIM2dFVE81Tg?oc=5) · KFVS12
- 2026-02-12 [What Is MRV Banks, and Are Its Credit Cards Right for You? - NerdWallet](https://news.google.com/rss/articles/CBMicEFVX3lxTE8zVmxvdTN0ZHFDQTZjaF9CZ3dLM0xCMnNabmdKcG5IcThsVHQwRmNvQTBNMFNLT0tUXzNoY1A5NXRyWWJ2aThTVURpLVBxcWxRR241aHVEaXIxRnhJZWhyY2N0dW80T1JYbzlCRE53cTU?oc=5) · NerdWallet
- 2026-01-14 [MRV Banks offer personalized lending to community - myleaderpaper.com](https://news.google.com/rss/articles/CBMi7wFBVV95cUxQc2dZSnFYVENzMkZ2dGxuZDJqUTZIeEplaE5zeGEwRXBuWl9zbXFUTUJhZHZKOXUtU0dvUUhHVHlUYndlcDJyZmNOOGJIU216ZTMtT2NDcW5nLXV0dWpMM2g0ZE5xSU5IcXE5MlZMaDhtNk5SSmdtMkRPTnJiVl9MQzQ5MWJRaVEyMkZZN3dIX0xQeHRKbGI3TzZ2cG5DU3dDM2hXd3kwaXNzZWY4Ul9QbG9WNUxrTXI5aDJDMG5GNHc0bmIxQlRTRU8yYzBQN2paTktKQnl4Tl9wRDJhc3lPWHdTNlFLUHhhZWVibmNSNA?oc=5) · myleaderpaper.com
- 2023-04-11 [Banks remain wary of marijuana industry, even after Missouri legalization vote - Missouri Independent](https://news.google.com/rss/articles/CBMivgFBVV95cUxNOTh0dzhnY3hiWWI5aExaR2NnLVBOcWZUR3BVVXFvaGpkU1BqanIwdkp3N0VsSjV4QlB5OVQ5QVgwMnB6SHBKRi1RZVZsWmJvNXJwc2ZxMUZaSDg5WFkzeDNUNWFBRUxnTFByaV9KdGFCeUhYXzFVZWVtV1luOWtJWXFwZ0VjOWY5UlNuUVpyeEZma09hYzlzSDVjelJiZVRReFR1RFBsbUhGMm9CbVppTmRXREU5a1BUWTFHNXVR?oc=5) · Missouri Independent
- 2023-09-04 [MRV Banks To Sponsor the SEMO-Lindenwood Game Ball Brawl Football Rivalry - Lindenwood University Athletics](https://news.google.com/rss/articles/CBMixwFBVV95cUxNUG40M185S3hQaFV4NGNST0h6OGZOZGNPeDFiTHBPVVV3b2FQSjJlVWdqMHhtMTFWTEo1d0gzLVg0cmRDX1Y4LV9IamRubTh5UkpqSkVTc0RMTEVHOEtWeTZGWEhWWWxqRjg1NXREZ0FUTHZ5Q0R3Q0U0SzQzUklhS1M3dnJPalNTSTN3TkUtbEFDMWwxRUFEOERudmdxalNKa0d3dWFQVWpjR1hid2l3LV9TUUZxblgwelVnNnlEUkNoMi1XSlFv?oc=5) · Lindenwood University Athletics
- 2021-07-28 [MRV Banks & Vervent Launch the Revvi Card - Business Wire](https://news.google.com/rss/articles/CBMinAFBVV95cUxQQS1TMVBpZ3V6bU9yc1haQXVaQ3c4a1RIN1hDZ3pmYVd2UXdBMDVLempqLWhtejNlNXphaTdJT1FaUVVQVGxOcmtoNTdDUXcyZ3dYYm9uTlVTdHFpZ2ktZU84UDZZcTRoc2hRSTVmSzFHbmp3MS1Mdm0xYk8tTk5qQ1pka0dxNllneS1ET2xwVXNXWklFTHRxcDNTUmU?oc=5) · Business Wire
- 2021-06-09 [MRV Banks hires market president to lead Festus operations - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPN1FSOFkzR2NnTlJSUl9UalN0Q3JpSkE2eVl1S2lsRmxra0dyc1plYlRINGV1UkZlTmdwaWFKQTdJZkp5a1JiNzk3eURYVmdFTnlCMXRXbWxsaWlBVElWVEpseWVUNUlSQzJsQ2pyTlJrdGRjU2pidUhIa1FBLUttRjd2eDFuVjA0X2Y0SUNGYlVKQkIzNWdKZHNmbkFGaVdxR3ZoY1RGaGNIOWs?oc=5) · The Business Journals
- 2019-06-20 [MRV Banks hires Luehmann as new vice president - Standard Democrat](https://news.google.com/rss/articles/CBMingFBVV95cUxNTXZRTVF5VXpwT2c4enJ5VEtJOG9wVlpmMDdBNEtOYlRBY0NJNWthMlJPZUNXbFIwQldjeTFSUUhqNk0xMFFzUXMtSkw0OE85X21oRzM5ckREUXkwRXZ2T3JYUlZkU1dEd0lZNzZDVjFsc2h1QUdYQVpTUVBpOHZNRURzWEpmVy1sZXVwM0NQR2hxdEhJWU1nenJFbEJodw?oc=5) · Standard Democrat

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58619 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/59.json (key "58619", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide