BlastPoint's Banking Scorecard
Mission Bank
Designations: ✓ Community bank
Bakersfield, CA
8 branches across CA
Mission Bank demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 26.7% in tier
- + Delinquency Rate 0.88% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + ROA 0.27% above tier average
- + Efficiency Ratio 14.75% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+2.9% YoY
+1.9% QoQ
|
-$896.3M |
$2.8B
-0.1% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
48% |
| Total Loans ? |
$1.5B
+14.7% YoY
+2.0% QoQ
|
-$497.3M |
$2.0B
+0.6% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
53% |
| Total Deposits ? |
$1.7B
+1.8% YoY
+1.6% QoQ
|
-$658.9M |
$2.3B
-0.3% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
51% |
| Return on Assets ? |
1.63%
+4.5% YoY
+12.0% QoQ
|
+0.27% |
1.37%
+19.6% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
77% |
| Net Interest Margin ? |
4.44%
+8.5% YoY
+2.8% QoQ
|
+0.62% |
3.82%
+6.9% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
Top 13.7% in tier |
| Efficiency Ratio ? |
46.31%
-1.2% YoY
-7.8% QoQ
|
-14.75% |
61.06%
-4.6% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
Top 12.9% in tier |
| Delinquency Rate ? |
0.01%
-87.0% YoY
-95.1% QoQ
|
-0.88% |
0.89%
+14.1% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
Top 3.2% in tier |
| Loan-to-Deposit Ratio ? |
87.12%
+12.7% YoY
+0.4% QoQ
|
+2.92% |
84.20%
+0.3% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
39.38%
+3.6% YoY
-1.7% QoQ
|
+18.09% |
21.29%
-2.5% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Top 5.0% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-85.5% YoY
-95.1% QoQ
|
-0.67% |
0.67%
+15.6% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
Top 3.5% in tier |
| Tier 1 Capital Ratio ? |
12.19%
+6.3% YoY
+5.0% QoQ
|
-2.97% |
15.16%
+2.0% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.08%
+4.7% YoY
-75.5% QoQ
|
-0.17% |
0.26%
+1.6% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
24% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.