BlastPoint's Banking Scorecard

Mission Bank

$100M-$1B Specialty: Commercial AZ FDIC cert 57137

Kingman, AZ

3 branches across AZ

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 8 in AZ.
Deposits -3.8% year over year ($171.0M on the books).
Delinquency rate 0.00%.
Return on assets 0.54%.
Efficiency ratio 79.49% vs a 64.48% peer average.
Loan-to-deposit ratio 41.11% 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 8 in AZ

View $100M-$1B leaderboard (AZ) →

Mission Bank has 3 strengths but faces 3 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

+ Credit Quality Leader: Top 47.5% in tier
+ Non-Interest-Bearing Deposit Share 24.88% above tier average
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- ROA 0.78% below tier average
- Net Interest Margin 0.73% below tier average
- Efficiency Ratio 15.01% above tier average

Get updates when Mission Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Total Assets ?	$185.1M -3.1% YoY +1.6% QoQ	-$201.5M	$386.6M +1.2% YoY	$17.4B +6.1% YoY	$6.3B +7.7% YoY	23%
Total Loans ?	$70.3M +0.1% YoY +0.9% QoQ	-$188.0M	$258.3M +1.7% YoY	$9.3B +8.2% YoY	$3.2B +9.4% YoY	Bottom 7.3% in tier
Total Deposits ?	$171.0M -3.8% YoY +1.5% QoQ	-$155.7M	$326.7M +0.7% YoY	$14.8B +6.2% YoY	$4.9B +7.3% YoY	27%
Return on Assets ?	0.54% +177.0% YoY -9.4% QoQ	-0.78%	1.32% +10.8% YoY	0.35% +477.8% YoY	1.30% +12.1% YoY	Bottom 13.5% in tier
Net Interest Margin ?	3.26% +3.2% YoY +1.6% QoQ	-0.73%	3.99% +5.0% YoY	3.96% +2.3% YoY	3.95% +4.9% YoY	18%
Efficiency Ratio ?	79.49% -13.7% YoY +1.4% QoQ	+15.01%	64.48% -3.2% YoY	81.56% -13.3% YoY	70.05% +2.5% YoY	Bottom 14.2% in tier
Delinquency Rate ?	0.00% -100.0% QoQ	-0.92%	0.92% +15.7% YoY	1.46% +76.6% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	41.11% +4.1% YoY -0.6% QoQ	-36.84%	77.95% +1.0% YoY	84.92% +5.8% YoY	79.03% +2.3% YoY	Top 4.5% in tier
Non-Interest-Bearing Deposit Share ?	46.91% +11.4% YoY +2.7% QoQ	+24.88%	22.03% -0.6% YoY	24.29% +4.4% YoY	21.98% -0.6% YoY	Top 2.2% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% QoQ	-0.67%	0.67% +16.4% YoY	1.10% +71.6% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	19.02% +8.4% YoY -0.2% QoQ	+3.11%	15.91% +1.4% YoY	14.82% -13.7% YoY	17.09% +0.8% YoY	84%
Non-Interest Income / Assets ?	0.25% +46.2% YoY +40.3% QoQ	-0.31%	0.57% +7.6% YoY	0.29% -0.6% YoY	0.66% +5.2% YoY	64%

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 (AZ)	National Avg	Tier Percentile
Noninterest-Bearing	46.9% +4.8pp YoY +1.2pp QoQ	+24.8pp	22.1%	24.3%	22.2%	98%
Brokered Deposits	n/a	n/a	7.9%	7.6%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
C&I	23.6% -4.7pp YoY -1.3pp QoQ	+12.0pp	11.6%	20.4%	12.5%	92%
CRE	52.2% -2.2pp YoY +0.3pp QoQ	+12.6pp	39.5%	53.9%	41.4%	74%
1-4 Family	16.9% +2.2pp YoY -0.7pp QoQ	-15.7pp	32.6%	22.4%	31.3%	23%
Consumer	0.2% -0.1pp YoY 0.0pp QoQ	-3.9pp	4.1%	11.3%	5.0%	8%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
CET1 Ratio	19.0% +1.5pp YoY 0.0pp QoQ	+0.2pp	18.8%	16.6%	19.7%	74%
Leverage Ratio	9.4% +0.8pp YoY +0.1pp QoQ	-2.7pp	12.2%	11.4%	12.6%	20%
Total Capital Ratio	20.0% +1.5pp YoY 0.0pp QoQ	0.0pp	19.9%	17.8%	20.8%	74%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Full-Time Employees	29 -4 (-12.1%) YoY -2 (-6.5%) QoQ	-30	58	1,366	482	25%
Assets per Employee ($)	$6.4M +10.3% YoY +8.6% QoQ	-$1.1M	$7.5M	$9.6M	$8.8M	40%
Branch Count	3 0 YoY 0 QoQ	-2	4	6	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	1.2%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	1.5%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	2.94x	20.23x	n/a
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.6%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
ROE	7.9% +4.5pp YoY -0.9pp QoQ	-4.3pp	12.2%	4.1%	11.6%	25%
Cost of Funds (YTD)	0.8% -0.1pp YoY 0.0pp QoQ	-0.9pp	1.7%	1.9%	1.7%	5%
Net Income ($, YTD)	$501,000 +169.4% YoY — QoQ	-$2.1M	$2.6M	$88.2M	$40.4M	11%

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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 (1)

Credit Quality Leader

growth

#314 of 659 • Top 47.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 46.91%

Peer Median: 22.03%

#60 of 2643 Top 2.2% in $100M-$1B

121

Loan-to-Deposit Ratio

liquidity

Value: 41.11%

Peer Median: 77.95%

#121 of 2643 Top 4.5% in $100M-$1B

421

Tier 1 Capital Ratio

capital

Value: 19.02%

Peer Median: 15.91%

#421 of 2643 Top 15.9% in $100M-$1B

Top Weaknesses (5 metrics)

2450

Total Loans

size

Value: $70.32M

Peer Median: $258.35M

#2450 of 2643 Bottom 7.3% in $100M-$1B

2288

Return on Assets

profitability

Value: 0.54%

Peer Median: 1.32%

#2288 of 2643 Bottom 13.5% in $100M-$1B

2269

Efficiency Ratio

profitability

Value: 79.49%

Peer Median: 64.48%

#2269 of 2643 Bottom 14.2% in $100M-$1B

2163

Net Interest Margin

profitability

Value: 3.26%

Peer Median: 3.99%

#2163 of 2643 Bottom 18.2% in $100M-$1B

2049

Total Assets

size

Value: $185.10M

Peer Median: $386.57M

#2049 of 2643 Bottom 22.5% in $100M-$1B