BlastPoint's Banking Scorecard
MRV Banks
Community
Specialty: Commercial
MO
FDIC cert 58619
Sainte Genevieve, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
MRV Banks has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.49% below tier
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 28% in Community
- - Capital Thin: Bottom 48% in Community
- - Return on Assets 1.21% below tier
- - Delinquency Rate 4.83% above tier
- - Nonperforming Asset Ratio 4.54% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$862.4M
+4.8% YoY
+6.5% QoQ
|
-$529.0M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$633.1M
+2.9% YoY
+2.0% QoQ
|
-$342.3M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$730.9M
+4.0% YoY
+10.4% QoQ
|
-$433.7M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
-0.05%
-103.3% YoY
|
-1.21% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
4.04%
-0.0% YoY
-0.6% QoQ
|
+0.38% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
43.14%
+2.7% YoY
-1.5% QoQ
|
-19.49% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
5.46%
+49.2% YoY
+60.0% QoQ
|
+4.83% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
86.63%
-1.0% YoY
-7.6% QoQ
|
+3.56% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
16.67%
-18.6% YoY
-25.9% QoQ
|
-4.38% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
33% |
| Nonperforming Asset Ratio ? |
5.04%
+82.8% YoY
+29.8% QoQ
|
+4.54% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.44%
-8.1% YoY
+24.6% QoQ
|
-0.30% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 7%
in Community
Why this stands out
Current:
43.14%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (5)
NIB Deposit Bleed
decline
#26 of 89 · Bottom 28% in Community
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:
16.67%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
Capital Thin
risk
#207 of 432 · Bottom 48% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 3%
in Community
Why this stands out
Current:
-0.05%
(Tier avg: 1.16%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
5.46%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
5.04%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Efficiency Ratio
Current: 43.14% · Tier avg: 62.63%
72
72th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.66%
56
56th pctile
Loan-to-Deposit Ratio
Current: 86.63% · Tier avg: 83.06%
44
44th pctile
Total Loans
Current: $633.1M · Tier avg: $975.5M
41
41th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.74%
41
41th pctile
Total Deposits
Current: $730.9M · Tier avg: $1.2B
40
40th pctile
Total Assets
Current: $862.4M · Tier avg: $1.4B
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 16.67% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
3
3th pctile
Return on Assets
Current: -0.05% · Tier avg: 1.16%
0
0th pctile
Delinquency Rate
Current: 5.46% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 5.04% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 5.04% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 5.46% · Tier avg: 0.63%
3
3th pctile
Return on Assets
Current: -0.05% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 16.67% · Tier avg: 21.05%
40
40th pctile
Total Assets
Current: $862.4M · Tier avg: $1.4B
41
41th pctile
Total Deposits
Current: $730.9M · Tier avg: $1.2B
41
41th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.74%
44
44th pctile
Total Loans
Current: $633.1M · Tier avg: $975.5M
56
56th pctile
Loan-to-Deposit Ratio
Current: 86.63% · Tier avg: 83.06%
72
72th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.66%
93
93th pctile
Efficiency Ratio
Current: 43.14% · Tier avg: 62.63%