BlastPoint's Banking Scorecard
Mission Bank
Kingman, AZ
3 branches across AZ
Mission Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 23.66% above tier average
- + Delinquency Rate 0.66% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 31.8% in tier
- - ROA 0.67% below tier average
- - Net Interest Margin 0.72% below tier average
- - Efficiency Ratio 13.09% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$182.2M
-6.2% YoY
-1.9% QoQ
|
-$203.8M |
$386.1M
+0.5% YoY
|
$17.7B
+7.6% YoY
|
$6.2B
+9.1% YoY
|
22% |
| Total Loans ? |
$69.7M
-7.6% YoY
+2.1% QoQ
|
-$186.0M |
$255.7M
+1.1% YoY
|
$9.0B
+5.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 7.4% in tier |
| Total Deposits ? |
$168.4M
-7.1% YoY
-1.8% QoQ
|
-$159.5M |
$328.0M
+0.1% YoY
|
$15.1B
+6.7% YoY
|
$4.8B
+8.2% YoY
|
26% |
| Return on Assets ? |
0.60%
+225.8% YoY
+62.4% QoQ
|
-0.67% |
1.27%
+12.9% YoY
|
0.18%
+147.8% YoY
|
1.23%
+13.4% YoY
|
16% |
| Net Interest Margin ? |
3.21%
+4.6% YoY
-0.8% QoQ
|
-0.72% |
3.93%
+6.0% YoY
|
3.92%
+3.9% YoY
|
3.89%
+5.7% YoY
|
18% |
| Efficiency Ratio ? |
78.38%
-14.8% YoY
-8.2% QoQ
|
+13.09% |
65.29%
-4.5% YoY
|
84.95%
-15.7% YoY
|
66.95%
-4.1% YoY
|
17% |
| Delinquency Rate ? |
0.23%
-2.1% QoQ
|
-0.66% |
0.89%
+18.8% YoY
|
1.32%
+84.0% YoY
|
0.95%
+18.8% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
41.37%
-0.6% YoY
+4.0% QoQ
|
-35.27% |
76.64%
+0.8% YoY
|
80.55%
-0.2% YoY
|
76.70%
+0.9% YoY
|
Top 4.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
45.68%
+10.6% YoY
+2.1% QoQ
|
+23.66% |
22.02%
-1.0% YoY
|
23.51%
-4.3% YoY
|
22.01%
-1.2% YoY
|
Top 2.6% in tier |
| Nonperforming Asset Ratio ? |
0.09%
+2.0% QoQ
|
-0.55% |
0.64%
+19.7% YoY
|
0.94%
+70.0% YoY
|
0.67%
+19.3% YoY
|
72% |
| Tier 1 Capital Ratio ? |
19.06%
+15.2% YoY
+0.3% QoQ
|
+3.23% |
15.83%
+1.5% YoY
|
14.90%
-16.6% YoY
|
17.06%
+0.8% YoY
|
85% |
| Non-Interest Income / Assets ? |
0.18%
+140.3% YoY
-49.1% QoQ
|
-0.10% |
0.28%
+9.3% YoY
|
0.12%
+2.6% YoY
|
0.32%
+4.1% YoY
|
82% |
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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 (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.