Mission Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.37 percentage points lower than in Q1 2026, at 242.55%. Within California, Mission Bank is 70th of 114 on loan-to-deposit ratio, 86.57% as of Q2 2026, below the middle of the field. At 86.57%, Mission Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.53B |
| Net loans and leases | $1.51B |
| Loans held for sale | $0 |
| Loans to total assets | 76.13% |
| Loan-to-deposit ratio | 86.57% |
| Net loans to equity capital | 6.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 54.04% |
| Multifamily (5+ residential) | 5.90% |
| Commercial and industrial | 10.63% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 12.30% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 242.55% |
| Construction concentration (Tier 1 capital + allowance) | 41.19% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $24.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.16B | $1.41B | 54.43% | 10.92% | 0.00% |
| Q4 2023 | $1.21B | $1.44B | 53.90% | 10.24% | 0.00% |
| Q1 2024 | $1.23B | $1.42B | 53.85% | 10.86% | 0.00% |
| Q2 2024 | $1.23B | $1.49B | 54.33% | 10.09% | 0.00% |
| Q3 2024 | $1.24B | $1.61B | 54.09% | 9.89% | 0.00% |
| Q4 2024 | $1.29B | $1.65B | 52.25% | 10.39% | 0.00% |
| Q1 2025 | $1.30B | $1.65B | 53.76% | 10.13% | 0.00% |
| Q2 2025 | $1.36B | $1.63B | 54.25% | 11.00% | 0.00% |
| Q3 2025 | $1.42B | $1.73B | 53.95% | 10.66% | 0.00% |
| Q4 2025 | $1.46B | $1.66B | 53.33% | 10.68% | 0.00% |
| Q1 2026 | $1.49B | $1.68B | 54.20% | 10.28% | 0.00% |
| Q2 2026 | $1.53B | $1.77B | 54.04% | 10.63% | 0.00% |
Mission Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Mission Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Mission Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34805) · FFIEC NIC profile (RSSD 2736714)