Mission Bank (Bakersfield, CA)
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Data as of · sourced from FFIEC call reports. How we update
Mission Bank is an FDIC-insured commercial bank headquartered in Bakersfield, CA, established in 1998 (FDIC certificate 34805), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $2.01B, up 8.9% from Q2 2025, the 42nd largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.22% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 34805
- Headquarters
- Bakersfield, CA
- Established
- 1998
- Total assets, Q2 2026
- $2.01B
- Assets vs Q2 2025
- +8.9%
- Tier 1 leverage ratio, Q2 2026
- 12.22%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 122242791
- Holding company
- MISSION BANCORP
- Asset rank in state
- 42nd of 113 in California
Mission Bank, based in Bakersfield, California, reported $2.0 billion in assets at June 30, 2026, up 8.9% from a year earlier. It pays an average of 1.18% on its deposits and borrowings, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). It also carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size.
Earnings jumped: net income for the quarter was $8.4 million, 158% above the same quarter a year earlier. Over the same year, loans grew 12.9% and deposits grew 8.4%.
As of June 30, 2026, Mission Bank reported a return on assets of 1.69%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.12%. The figures come from its call report filed with the FFIEC.
Of the 113 banks headquartered in California, Mission Bank is the 42nd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.7% to $2.01B, loans rose 2.9% and deposits rose 4.9%. Non-owner-occupied commercial real estate loans made up 28.8% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 25.4%. Its 8 offices in the FDIC Summary of Deposits are in 7 cities in CA; its Bakersfield 2 offices book 40% of its branch deposits. On its Q2 2026 call report, Mission Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1301 17th St, Bakersfield, CA 93301
- County
- Kern
- Metro Area
- Bakersfield-Delano, CA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 7, 1998
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 165
- Domestic deposits
- $1.77B
- Allowance for credit losses
- $20.9M
- Net charge-offs (YTD)
- $2.5M
- Average total assets
- $1.98B
- Average total loans
- $1.51B
- Average interest-bearing deposits
- $1.62B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 7, 1998
- FDIC Cert
- 34805
- Fed RSSD
- 2736714
- SEC CIK
- 1169483 → filed by MISSION BANCORP
- Website
- www.missionbank.bank →
- Parent Holding Company
- MISSION BANCORP (RSSD 3108082)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Mission Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Mission Bank's total assets moved between a low of $1.61B (Q3 2023) and a high of $2.01B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.01B total assets against $1.85B; $1.78B total liabilities against $1.65B.
$1.51B net loans and leases against $1.34B; $1.77B total deposits against $1.63B.
$232.4M securities against $250.8M; $198.5M cash and balances due against $190.2M.
$27.4M total interest income against $25.7M; $6.8M total interest expense against $7.6M.
$20.6M net interest income against $18.1M.
$1.6M total noninterest income against $1.7M; $9.8M total noninterest expense against $14.5M.
$754K provision for credit losses against $751K.
$8.4M net income against $3.3M.
1.69% return on assets against 0.69%; 4.35% net interest margin against 4.06%.
12.22% tier 1 leverage ratio against 11.43%.
Inside the full Mission Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Mission Bank rankings
Its closest position to the top of a national ranking is 373 of 3,606, for efficiency ratio; its furthest is 3,213 of 3,640, for Texas Ratio.
Metric pages for Mission Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.69% (Q2 2025) to 1.79% (Q3 2025) and its net interest margin ran from 3.99% (Q4 2024) to 4.35% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.22% | 1.69% | 0.02% | 0.12% | 4.35% |
| Q1 2026 | 12.19% | 1.62% | 0.01% | 0.05% | 4.33% |
| Q4 2025 | 11.61% | 1.68% | 0.18% | 1.12% | 4.35% |
| Q3 2025 | 11.29% | 1.79% | 0.05% | 0.32% | 4.29% |
| Q2 2025 | 11.43% | 0.69% | 0.13% | 0.79% | 4.06% |
| Q1 2025 | 11.47% | 1.56% | 0.07% | 0.40% | 4.01% |
| Q4 2024 | 11.07% | 1.62% | 0.08% | 0.51% | 3.99% |
| Q3 2024 | 11.41% | 1.71% | 0.03% | 0.19% | 4.34% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Mission Bank (main office) | Bakersfield , CA | 93301 | $473.3M |
| Lancaster Branch | Lancaster , CA | 93534 | $315.9M |
| Visalia Business Banking Center Branch | Visalia , CA | 93291 | $295.5M |
| Riverwalk Branch | Bakersfield , CA | 93311 | $240.9M |
| Ventura Business Banking Center | Ventura , CA | 93003 | $240.3M |
| Shafter Branch | Shafter , CA | 93263 | $115.1M |
| San Luis Obispo Business Banking Center Branch | San Luis Obispo , CA | 93401 | $53.4M |
| Westlake Business Banking Center Branch | Westlake Village , CA | 91362 | $33.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 26, 2013 | Structure Change | Acquired Mojave Desert Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 25, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 64 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 20 loans, $12.9M approved, $647K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 22 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Mission Bank
What are Mission Bank's total assets?
As of the Q2 2026 filing, Mission Bank reported total assets of $2.01 billion in its FFIEC call report.
Where is Mission Bank headquartered?
It is headquartered in Bakersfield, CA, United States.
When was Mission Bank founded?
It was established in 1998, per the FDIC institution directory.
Is Mission Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34805). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Mission Bank?
Mission Bank's primary federal regulator is the Federal Reserve.
How many branches does Mission Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Mission Bank's Texas Ratio?
Its Texas Ratio is 0.12% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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