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Mission National Bank

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

Designations: ✓ CDFI-certified ✓ Minority Depository Institution

San Francisco, CA

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 53 in CA.
  • Deposits +21.9% year over year ($237.1M on the books).
  • Delinquency rate 0.00%.
  • Return on assets -0.05%.
  • Efficiency ratio 93.92% vs a 64.48% peer average.
  • Loan-to-deposit ratio 97.91% 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 53 in CA
View $100M-$1B leaderboard (CA) →

Mission National Bank has 2 strengths but faces 5 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

  • + Credit Quality Leader: Top 37.0% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 3.7% in tier
  • - Efficiency Drag: Bottom 44.0% in tier
  • - Return on Assets 1.37% below tier average
  • - Net Interest Margin 1.17% below tier average
  • - Non-Interest Income / Assets 0.53% below tier average
Get updates when Mission National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $276.4M
+13.6% YoY +10.9% QoQ
-$110.2M $386.6M
+1.2% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
41%
Total Loans ? $232.1M
+12.7% YoY +15.9% QoQ
-$26.2M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
55%
Total Deposits ? $237.1M
+21.9% YoY +14.8% QoQ
-$89.6M $326.7M
+0.7% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
42%
Return on Assets ? -0.05%
-136.7% YoY -144.7% QoQ
-1.37% 1.32%
+10.8% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
Bottom 3.1% in tier
Net Interest Margin ? 2.81%
+6.6% YoY -1.3% QoQ
-1.17% 3.99%
+5.0% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
Bottom 6.2% in tier
Efficiency Ratio ? 93.92%
+6.9% YoY -1.6% QoQ
+29.44% 64.48%
-3.2% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
Bottom 3.7% in tier
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 97.91%
-7.6% YoY +1.0% QoQ
+19.96% 77.95%
+1.0% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
Bottom 12.6% in tier
Non-Interest-Bearing Deposit Share ? 7.56%
-35.6% YoY -14.2% QoQ
-14.47% 22.03%
-0.6% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Bottom 6.3% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 13.94%
-8.8% YoY -5.6% QoQ
-1.97% 15.91%
+1.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
57%
Non-Interest Income / Assets ? 0.04%
-75.9% YoY +106.3% QoQ
-0.53% 0.57%
+7.6% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
Bottom 3.4% in tier

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 (CA) National Avg Tier Percentile
Noninterest-Bearing 7.6%
-4.2pp YoY
-1.2pp QoQ
 -14.6pp 22.1% 25.5% 22.2% 6%
Brokered Deposits 35.1%
+3.6pp YoY
+5.1pp QoQ
 +27.3pp 7.9% 11.0% 8.5% 98%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 3.0%
-0.3pp YoY
-0.7pp QoQ
 -8.5pp 11.6% 11.8% 12.5% 10%
CRE 64.3%
-4.1pp YoY
-9.7pp QoQ
 +24.8pp 39.5% 67.5% 41.4% 89%
1-4 Family 33.3%
+4.6pp YoY
+10.5pp QoQ
 +0.7pp 32.6% 16.5% 31.3% 58%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 5.3% 5.0% 2%

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 23.7% 19.7% n/a
Leverage Ratio 13.9%
-1.3pp YoY
-0.8pp QoQ
 +1.8pp 12.2% 14.5% 12.6% 81%
Total Capital Ratio n/a n/a 19.9% 25.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 26
-5 (-16.1%) YoY
0 QoQ
 -33 58 337 482 21%
Assets per Employee ($) $10.6M
+35.4% YoY
+10.9% QoQ
 +$3.1M $7.5M $11.3M $8.8M 89%
Branch Count 1
0 YoY
0 QoQ
 -4 4 15 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.4% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 17.11x 20.23x n/a
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.3% 0.2% 27%

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE -0.3%
-1.1pp YoY
-1.0pp QoQ
 -12.5pp 12.2% 8.2% 11.6% 3%
Cost of Funds (YTD) 2.6%
-0.2pp YoY
0.0pp QoQ
 +0.9pp 1.7% 1.9% 1.7% 93%
Net Income ($, YTD) $-58000.0
-139.5% YoY
— QoQ
 -$2.6M $2.6M $28.5M $40.4M 3%

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 (1)

Credit Quality Leader

growth
#245 of 659 • Top 37.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

NIB Deposit Bleed

decline
#7 of 162 • Bottom 3.7% 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: 7.56%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank improving

Efficiency Drag

risk
#160 of 361 • Bottom 44.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 93.92%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B

Top Weaknesses (6 metrics)

2563
Return on Assets
profitability
Value: -0.05%
Peer Median: 1.32%
#2563 of 2643 Bottom 3.1% in $100M-$1B
2553
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.57%
#2553 of 2643 Bottom 3.4% in $100M-$1B
2546
Efficiency Ratio
profitability
Value: 93.92%
Peer Median: 64.48%
#2546 of 2643 Bottom 3.7% in $100M-$1B
2479
Net Interest Margin
profitability
Value: 2.81%
Peer Median: 3.99%
#2479 of 2643 Bottom 6.2% in $100M-$1B
2478
Non-Interest-Bearing Deposit Share
funding
Value: 7.56%
Peer Median: 22.03%
#2478 of 2643 Bottom 6.3% in $100M-$1B
2311
Loan-to-Deposit Ratio
liquidity
Value: 97.91%
Peer Median: 77.95%
#2311 of 2643 Bottom 12.6% in $100M-$1B
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