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

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 +2.6% year over year ($615.3M on the books).
Delinquency rate 1.96%.
Return on assets 0.82%.
Efficiency ratio 71.95% vs a 64.48% peer average.
Loan-to-deposit ratio 101.13% 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 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 0.37% above tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 25.4% in tier
- Loan-to-Deposit Ratio 23.18% above tier average
- Efficiency Ratio 7.47% above tier average
- Delinquency Rate 1.04% above tier average

Get updates when Mission Valley 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 ?	$782.0M +5.6% YoY +1.2% QoQ	+$395.4M	$386.6M +1.2% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	Top 8.9% in tier
Total Loans ?	$622.3M +5.8% YoY +0.8% QoQ	+$363.9M	$258.3M +1.7% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	Top 5.1% in tier
Total Deposits ?	$615.3M +2.6% YoY -2.7% QoQ	+$288.6M	$326.7M +0.7% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	Top 11.2% in tier
Return on Assets ?	0.82% -13.7% YoY +49.7% QoQ	-0.50%	1.32% +10.8% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	24%
Net Interest Margin ?	4.36% -7.8% YoY +5.0% QoQ	+0.37%	3.99% +5.0% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	73%
Efficiency Ratio ?	71.95% -2.4% YoY -3.7% QoQ	+7.47%	64.48% -3.2% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	26%
Delinquency Rate ?	1.96% -9.1% YoY -25.0% QoQ	+1.04%	0.92% +15.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	Bottom 13.2% in tier
Loan-to-Deposit Ratio ?	101.13% +3.1% YoY +3.5% QoQ	+23.18%	77.95% +1.0% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	Bottom 8.7% in tier
Non-Interest-Bearing Deposit Share ?	34.74% +0.7% YoY +10.9% QoQ	+12.71%	22.03% -0.6% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	Top 10.1% in tier
Nonperforming Asset Ratio ?	1.60% -6.6% YoY -24.9% QoQ	+0.93%	0.67% +16.4% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	Bottom 10.8% in tier
Tier 1 Capital Ratio ?	12.25% +8.6% YoY -0.1% QoQ	-3.66%	15.91% +1.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	39%
Non-Interest Income / Assets ?	0.54% +21.0% YoY +97.4% QoQ	-0.02%	0.57% +7.6% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	Top 8.2% 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	34.7% +0.2pp YoY +3.4pp QoQ	+12.6pp	22.1%	25.5%	22.2%	90%
Brokered Deposits	8.4% +2.7pp YoY -6.2pp QoQ	+0.6pp	7.9%	11.0%	8.5%	70%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	38.7% +1.2pp YoY +0.7pp QoQ	+27.2pp	11.6%	11.8%	12.5%	98%
CRE	60.8% -1.7pp YoY -0.9pp QoQ	+21.3pp	39.5%	67.5%	41.4%	85%
1-4 Family	1.7% +0.5pp YoY 0.0pp QoQ	-30.9pp	32.6%	16.5%	31.3%	2%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.0pp	4.1%	5.3%	5.0%	5%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	12.2% +1.0pp YoY 0.0pp QoQ	-6.6pp	18.8%	23.7%	19.7%	19%
Leverage Ratio	11.0% +0.8pp YoY -0.1pp QoQ	-1.2pp	12.2%	14.5%	12.6%	50%
Total Capital Ratio	13.4% +0.9pp YoY -0.1pp QoQ	-6.5pp	19.9%	25.1%	20.8%	21%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	108 -2 (-1.8%) YoY +1 (+0.9%) QoQ	+49	58	337	482	89%
Assets per Employee ($)	$7.2M +7.6% YoY +0.3% QoQ	-$277K	$7.5M	$11.3M	$8.8M	56%
Branch Count	4 +1 (+33.3%) YoY 0 QoQ	-1	4	15	18	42%

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	2.0% -0.1pp YoY -0.7pp QoQ	+1.0pp	0.9%	1.4%	1.0%	87%
Allowance Coverage	0.67x +3.1% YoY +20.0% QoQ	-23.48x	24.15x	17.11x	20.23x	17%
Net Charge-off Rate (YTD)	0.3% +0.3pp YoY +0.4pp QoQ	+0.2pp	0.1%	0.3%	0.2%	91%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	7.7% -2.1pp YoY +2.5pp QoQ	-4.5pp	12.2%	8.2%	11.6%	24%
Cost of Funds (YTD)	2.2% -0.1pp YoY +0.1pp QoQ	+0.5pp	1.7%	1.9%	1.7%	81%
Net Income ($, YTD)	$3.2M -5.9% YoY — QoQ	+$599K	$2.6M	$28.5M	$40.4M	72%

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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 (1)

Margin Compression

decline

#79 of 307 • Bottom 25.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.82%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

136

Total Loans

size

Value: $622.29M

Peer Median: $258.35M

#136 of 2643 Top 5.1% in $100M-$1B

219

Non-Interest Income / Assets

revenue_mix

Value: 0.54%

Peer Median: 0.57%

#219 of 2643 Top 8.2% in $100M-$1B

235

Total Assets

size

Value: $782.00M

Peer Median: $386.57M

#235 of 2643 Top 8.9% in $100M-$1B

269

Non-Interest-Bearing Deposit Share

funding

Value: 34.74%

Peer Median: 22.03%

#269 of 2643 Top 10.1% in $100M-$1B

298

Total Deposits

size

Value: $615.31M

Peer Median: $326.73M

#298 of 2643 Top 11.2% in $100M-$1B

Top Weaknesses (4 metrics)

2413

Loan-to-Deposit Ratio

liquidity

Value: 101.13%

Peer Median: 77.95%

#2413 of 2643 Bottom 8.7% in $100M-$1B

2359

Nonperforming Asset Ratio

credit_quality

Value: 1.60%

Peer Median: 0.67%

#2359 of 2643 Bottom 10.8% in $100M-$1B

2286

Delinquency Rate

credit_quality

Value: 1.96%

Peer Median: 0.92%

#2286 of 2633 Bottom 13.2% in $100M-$1B

2004

Return on Assets

profitability

Value: 0.82%

Peer Median: 1.32%

#2004 of 2643 Bottom 24.2% in $100M-$1B