Mission Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Mission Bank of Bakersfield, CA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.69% | 1.44% | +0.25% | 76th top |
| ROAE | 14.98% | 12.50% | +2.48% | 71st above |
| Net Interest Margin | 4.35% | 3.84% | +0.51% | 84th top |
| Efficiency Ratio | 43.83% | 58.89% | -15.06% | 88th top |
| PPNR / Avg Assets | 2.51% | 1.78% | +0.73% | 88th top |
| Yield on Earning Assets | 5.79% | 5.71% | +0.08% | 65th above |
| Cost of Funds | 1.18% | 2.03% | -0.85% | 90th top |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.16% | 3.18% | -0.02% | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.02% | 0.97% | -0.95% | 95th top |
| NPA / Total Assets | 0.02% | 0.75% | -0.73% | 95th top |
| NCO / Avg Loans | -0.01% | 0.31% | -0.32% | 91st top |
| ACL / Total Loans | 1.37% | 1.25% | +0.12% | 77th top |
| ACL / NPLs (Coverage) | 6855.08% | 692.01% | +6163.07% | — |
| Texas Ratio | 0.12% | 7.17% | -7.05% | 95th top |
| Provision / NCO | 59.38% | 815.53% | -756.15% | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.22% | 11.59% | +0.63% | 79th top |
| Equity / Assets | 11.37% | 11.33% | +0.04% | 66th above |
| TCE / Tangible Assets | 11.37% | 10.65% | +0.72% | 76th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 86.57% | 86.35% | +0.22% | 54th above |
| Core Deposit Ratio | 93.28% | 85.55% | +7.73% | 76th top |
| Uninsured Deposit Ratio | 43.04% | 32.70% | +10.34% | 20th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 8.92% | 10.46% | -1.54% | 71st above |
| Loan Growth (Y/Y) | 12.88% | 7.99% | +4.89% | 81st top |
| Deposit Growth (Y/Y) | 8.40% | 7.98% | +0.42% | 69th above |
See Mission Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Mission Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Mission Bank profile, how to read a UBPR, or how this data updates.