BlastPoint's Banking Scorecard

Mission National Bank

$100M-$1B Specialty: Commercial CA FDIC cert 23749

Designations: ✓ CDFI-certified ✓ Minority Depository Institution

San Francisco, CA

2664 banks in the $100M-$1B peer group nationally 53 in CA

Mission National Bank has 2 strengths but faces 6 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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 13.8% in tier
- NIB Deposit Bleed: Bottom 31.8% in tier
- Return on Assets 1.17% below tier average
- Net Interest Margin 1.08% below tier average
- Efficiency Ratio 30.17% above tier average
- Non-Interest Income / Assets 0.26% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$249.2M +1.2% YoY +5.2% QoQ	-$136.9M	$386.1M +0.5% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	37%
Total Loans ?	$200.3M -1.8% YoY +1.9% QoQ	-$55.4M	$255.7M +1.1% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	49%
Total Deposits ?	$206.6M +9.2% YoY +7.4% QoQ	-$121.4M	$328.0M +0.1% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	36%
Return on Assets ?	0.10% +115.6% YoY -53.4% QoQ	-1.17%	1.27% +12.9% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	Bottom 4.8% in tier
Net Interest Margin ?	2.85% +19.7% YoY +2.4% QoQ	-1.08%	3.93% +6.0% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	Bottom 7.5% in tier
Efficiency Ratio ?	95.45% -25.7% YoY +9.9% QoQ	+30.17%	65.29% -4.5% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	Bottom 3.8% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	96.98% -10.1% YoY -5.1% QoQ	+20.34%	76.64% +0.8% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	Bottom 12.5% in tier
Non-Interest-Bearing Deposit Share ?	8.81% -23.9% YoY -1.8% QoQ	-13.21%	22.02% -1.0% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	Bottom 8.6% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.64%	0.64% +19.7% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	14.76% -11.1% YoY -5.6% QoQ	-1.07%	15.83% +1.5% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	64%
Non-Interest Income / Assets ?	0.02% -9.2% YoY -92.3% QoQ	-0.26%	0.28% +9.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	Bottom 3.6% in tier

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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

#90 of 643 • Bottom 13.8% 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: 96.98%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline

#64 of 198 • Bottom 31.8% 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: 8.81%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 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 (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Top Weaknesses (6 metrics)

2568

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2568 of 2664 Bottom 3.6% in $100M-$1B

2564

Efficiency Ratio

profitability

Value: 95.45%

Peer Median: 65.29%

#2564 of 2664 Bottom 3.8% in $100M-$1B

2538

Return on Assets

profitability

Value: 0.10%

Peer Median: 1.27%

#2538 of 2664 Bottom 4.8% in $100M-$1B

2465

Net Interest Margin

profitability

Value: 2.85%

Peer Median: 3.93%

#2465 of 2664 Bottom 7.5% in $100M-$1B

2437

Non-Interest-Bearing Deposit Share

funding

Value: 8.81%

Peer Median: 22.02%

#2437 of 2664 Bottom 8.6% in $100M-$1B

2331

Loan-to-Deposit Ratio

liquidity

Value: 96.98%

Peer Median: 76.64%

#2331 of 2664 Bottom 12.5% in $100M-$1B