Mrv Banks
Sainte Genevieve, Missouri · FDIC Cert #58619
This is the FDIC profile for Mrv Banks, an FDIC-insured bank (Certificate #58619) with $743M in total assets and $626M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Sainte Genevieve, Missouri, the bank maintains a Tier 1 capital ratio of 11.97% (Well-Capitalized) and a nonperforming loan ratio of 2.76%. BankHealthData assigns a composite Health Grade of C (60/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Mrv Banks (FDIC cert 58619) is a community bank — $743M in total assets, $626M in deposits, serving the Sainte Genevieve, Missouri area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.97% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is elevated: non-performing loan ratio of 2.76% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is in the normal range: 15.1% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 2.37% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Mrv Banks carries a composite BankHealth grade of C (60/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Mrv Banks
- Total Assets
- $743M
- Total Deposits
- $626M
- Tier 1 Capital Ratio
- 11.97%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.76%
- Liquidity Ratio
- 15.15%
- Return on Assets
- 2.37%
- Headquarters
- Sainte Genevieve, Missouri
- FDIC Certificate
- #58619
- Health Grade
- C (60/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Mrv Banks files quarterly Call Reports with the FDIC under Certificate #58619. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Mrv Banks holds a Tier 1 capital ratio of 11.97%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Mrv Banks has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Mrv Banks shows average financial health. While not alarming, its Health Score of 60/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Mrv Banks Compares
Mrv Banks’s Health Score of 60 is 19 points below the Missouri state average of 79 across 193 FDIC-insured banks. Its 11.97% Tier 1 capital ratio is 2.0 points below the US banking industry average near 14%. The 2.76% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 2.37% is in line with or above the national ROA benchmark of ~1.1%. Among 1214 similarly-sized banks, the average Health Score is 79, meaning this bank ranks below its size cohort. Site-wide, Mrv Banks is 20 points below the portfolio average of 80.
Frequently Asked Questions
Mrv Banks has a Bank Health Score of C (60/100), placing it in average financial health. It holds a Tier 1 capital ratio of 11.97%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Mrv Banks's Tier 1 capital ratio of 11.97% and nonperforming loan ratio of 2.76% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Mrv Banks is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #58619). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Mrv Banks holds $743M in total assets and $626M in total deposits. It is headquartered in Sainte Genevieve, Missouri (FDIC Certificate #58619).
Mrv Banks's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #58619 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Mrv Banks has a Tier 1 capital ratio of 11.97%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.76%, and the return on assets is 2.37%.
Yes. Mrv Banks is FDIC-insured (Certificate #58619). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Mrv Banks's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.