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Mission Bank

$1B-$10B Specialty: Commercial CA FDIC cert 34805

Designations: ✓ Community bank

Bakersfield, CA

8 branches across 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 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
  • Deposits +8.4% year over year ($1.8B on the books).
  • Delinquency rate 0.02%.
  • Return on assets 1.67%.
  • Efficiency ratio 45.11% vs a 59.73% peer average.
  • Loan-to-deposit ratio 85.39% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in CA
View $1B-$10B leaderboard (CA) →

Mission Bank shows strong momentum with 5 strengths and 8.9% YoY asset growth

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

  • + Deposit Franchise: Top 25.0% in tier
  • + Profitability Leader: Top 32.4% in tier
  • + Delinquency Rate 0.85% below tier average
  • + Nonperforming Asset Ratio 0.66% below tier average
  • + Efficiency Ratio 14.62% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Mission 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 ? $2.0B
+8.9% YoY +4.7% QoQ
-$783.3M $2.8B
-0.6% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
50%
Total Loans ? $1.5B
+13.0% YoY +2.8% QoQ
-$454.0M $2.0B
-0.3% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
54%
Total Deposits ? $1.8B
+8.4% YoY +4.9% QoQ
-$551.3M $2.3B
-0.5% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
53%
Return on Assets ? 1.67%
+47.1% YoY +2.1% QoQ
+0.28% 1.39%
+17.0% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
77%
Net Interest Margin ? 4.44%
+7.1% YoY +0.1% QoQ
+0.57% 3.87%
+6.2% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
Top 14.9% in tier
Efficiency Ratio ? 45.11%
-25.0% YoY -2.6% QoQ
-14.62% 59.73%
-12.6% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
Top 11.5% in tier
Delinquency Rate ? 0.02%
-84.1% YoY +128.1% QoQ
-0.85% 0.87%
+11.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
Top 5.8% in tier
Loan-to-Deposit Ratio ? 85.39%
+4.3% YoY -2.0% QoQ
+0.35% 85.04%
-0.1% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
54%
Non-Interest-Bearing Deposit Share ? 40.25%
+2.9% YoY +2.2% QoQ
+18.97% 21.27%
-1.5% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Top 4.1% in tier
Nonperforming Asset Ratio ? 0.02%
-83.5% YoY +124.0% QoQ
-0.66% 0.67%
+11.7% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
Top 5.5% in tier
Tier 1 Capital Ratio ? 12.22%
+6.8% YoY +0.2% QoQ
-2.63% 14.84%
-0.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
37%
Non-Interest Income / Assets ? 0.16%
-7.5% YoY +92.2% QoQ
-0.37% 0.53%
+2.5% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
22%

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 40.2%
+1.1pp YoY
+0.9pp QoQ
 +18.9pp 21.4% 25.5% 22.2% 96%
Brokered Deposits 4.8%
-3.5pp YoY
-0.1pp QoQ
 -4.6pp 9.5% 11.0% 8.5% 48%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 10.8%
-0.4pp YoY
+0.4pp QoQ
 -3.2pp 14.0% 11.8% 12.5% 47%
CRE 68.1%
+2.0pp YoY
+0.1pp QoQ
 +18.1pp 50.0% 67.5% 41.4% 86%
1-4 Family 5.1%
-0.8pp YoY
-0.2pp QoQ
 -21.4pp 26.4% 16.5% 31.3% 7%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.7pp 4.7% 5.3% 5.0% 1%

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 23.7% 19.7% n/a
Leverage Ratio 12.2%
+0.8pp YoY
0.0pp QoQ
 +0.9pp 11.3% 14.5% 12.6% 78%
Total Capital Ratio n/a n/a 16.7% 25.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 165
+22 (+15.4%) YoY
+12 (+7.8%) QoQ
 -149 313 337 482 29%
Assets per Employee ($) $12.2M
-5.6% YoY
-2.9% QoQ
 +$1.7M $10.5M $11.3M $8.8M 79%
Branch Count 8
0 YoY
+1 (+14.3%) QoQ
 -12 20 15 18 20%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.3% 0.4% n/a
Nonaccrual 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 0.8% 1.4% 1.0% 3%
Allowance Coverage 68.55x
+472.5% YoY
-55.7% QoQ
 +49.84x 18.71x 17.11x 20.23x 98%
Net Charge-off Rate (YTD) 0.3%
+0.3pp YoY
-0.3pp QoQ
 +0.1pp 0.3% 0.3% 0.2% 87%

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 14.7%
+3.8pp YoY
+0.3pp QoQ
 +2.1pp 12.6% 8.2% 11.6% 71%
Cost of Funds (YTD) 1.5%
-0.3pp YoY
0.0pp QoQ
 -0.5pp 1.9% 1.9% 1.7% 20%
Net Income ($, YTD) $16.2M
+53.6% YoY
— QoQ
 -$3.1M $19.2M $28.5M $40.4M 62%

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 (2)

Deposit Franchise

growth
#21 of 80 • Top 25.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 40.25%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.44%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Profitability Leader

growth
#73 of 222 • Top 32.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.67%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 885 peers in $1B-$10B

Top Strengths (6 metrics)

37
Non-Interest-Bearing Deposit Share
funding
Value: 40.25%
Peer Median: 21.27%
#37 of 885 Top 4.1% in $1B-$10B
50
Nonperforming Asset Ratio
credit_quality
Value: 0.02%
Peer Median: 0.67%
#50 of 885 Top 5.5% in $1B-$10B
52
Delinquency Rate
credit_quality
Value: 0.02%
Peer Median: 0.87%
#52 of 882 Top 5.8% in $1B-$10B
103
Efficiency Ratio
profitability
Value: 45.11%
Peer Median: 59.73%
#103 of 885 Top 11.5% in $1B-$10B
133
Net Interest Margin
profitability
Value: 4.44%
Peer Median: 3.87%
#133 of 885 Top 14.9% in $1B-$10B
201
Return on Assets
profitability
Value: 1.67%
Peer Median: 1.39%
#201 of 885 Top 22.6% in $1B-$10B

Top Weaknesses (1 metrics)

693
Non-Interest Income / Assets
revenue_mix
Value: 0.16%
Peer Median: 0.53%
#693 of 885 Bottom 21.8% in $1B-$10B
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