BlastPoint's Banking Scorecard

Mission Valley Bank

$100M-$1B Specialty: Commercial CA FDIC cert 57101

Designations: ✓ CDFI-certified

Sun Valley, CA

4 branches across CA

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

Mission Valley Bank has 1 strength but faces 4 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

+ Net Interest Margin 0.22% above tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.73% above tier average
- Nonperforming Asset Ratio 1.49% above tier average
- ROA 0.72% below tier average
- Efficiency Ratio 9.43% above tier average

Get updates when Mission Valley Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$772.6M +9.4% YoY +1.7% QoQ	+$386.5M	$386.1M +0.5% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	Top 9.5% in tier
Total Loans ?	$617.6M +11.4% YoY +2.6% QoQ	+$361.9M	$255.7M +1.1% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	Top 5.3% in tier
Total Deposits ?	$632.1M +6.7% YoY -0.6% QoQ	+$304.2M	$328.0M +0.1% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	Top 10.6% in tier
Return on Assets ?	0.55% -48.6% YoY -56.2% QoQ	-0.72%	1.27% +12.9% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	Bottom 14.1% in tier
Net Interest Margin ?	4.15% -16.0% YoY -11.3% QoQ	+0.22%	3.93% +6.0% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	65%
Efficiency Ratio ?	74.72% +6.3% YoY +9.0% QoQ	+9.43%	65.29% -4.5% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	23%
Delinquency Rate ?	2.62% +15.5% YoY +71.5% QoQ	+1.73%	0.89% +18.8% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	Bottom 7.6% in tier
Loan-to-Deposit Ratio ?	97.70% +4.4% YoY +3.2% QoQ	+21.06%	76.64% +0.8% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	Bottom 11.4% in tier
Non-Interest-Bearing Deposit Share ?	31.34% -6.6% YoY -1.4% QoQ	+9.32%	22.02% -1.0% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	85%
Nonperforming Asset Ratio ?	2.13% +19.9% YoY +76.3% QoQ	+1.49%	0.64% +19.7% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	Bottom 5.7% in tier
Tier 1 Capital Ratio ?	12.26% +7.7% YoY +0.9% QoQ	-3.57%	15.83% +1.5% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	38%
Non-Interest Income / Assets ?	0.28% +21.0% YoY -77.4% QoQ	+0.00%	0.28% +9.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	Top 7.7% in tier

Get Full Access to Mission Valley Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

141

Total Loans

size

Value: $617.60M

Peer Median: $255.72M

#141 of 2664 Top 5.3% in $100M-$1B

207

Non-Interest Income / Assets

revenue_mix

Value: 0.28%

Peer Median: 0.28%

#207 of 2664 Top 7.7% in $100M-$1B

255

Total Assets

size

Value: $772.56M

Peer Median: $386.08M

#255 of 2664 Top 9.5% in $100M-$1B

283

Total Deposits

size

Value: $632.14M

Peer Median: $327.97M

#283 of 2664 Top 10.6% in $100M-$1B

402

Non-Interest-Bearing Deposit Share

funding

Value: 31.34%

Peer Median: 22.02%

#402 of 2664 Top 15.1% in $100M-$1B

Top Weaknesses (5 metrics)

2512

Nonperforming Asset Ratio

credit_quality

Value: 2.13%

Peer Median: 0.64%

#2512 of 2664 Bottom 5.7% in $100M-$1B

2453

Delinquency Rate

credit_quality

Value: 2.62%

Peer Median: 0.89%

#2453 of 2654 Bottom 7.6% in $100M-$1B

2361

Loan-to-Deposit Ratio

liquidity

Value: 97.70%

Peer Median: 76.64%

#2361 of 2664 Bottom 11.4% in $100M-$1B

2289

Return on Assets

profitability

Value: 0.55%

Peer Median: 1.27%

#2289 of 2664 Bottom 14.1% in $100M-$1B

2060

Efficiency Ratio

profitability

Value: 74.72%

Peer Median: 65.29%

#2060 of 2664 Bottom 22.7% in $100M-$1B