Mission Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 8623.38 percentage points lower than in Q1 2026, at 6855.08%. Mission Bank ranks 20th of 114 California banks on return on assets, in the upper half at 1.69% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Mission Bank sits 0.42 points higher, at 1.69% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.22% |
| Equity capital to assets | 11.37% |
| Tangible equity to tangible assets | 11.37% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.02% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.12% |
| Allowance for credit losses to loans | 1.37% |
| Reserve coverage of non-performing loans | 6855.08% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.69% |
| Return on equity | 14.98% |
| Net interest margin | 4.35% |
| Efficiency ratio | 43.83% |
| Yield on earning assets | 5.79% |
| Cost of funds | 1.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.57% |
| Core deposits to total deposits | 93.28% |
| Brokered deposits to total deposits | 4.82% |
| Deposits to assets | 87.94% |
| Securities to assets | 11.56% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.05% | 1.96% | 4.71% | 0.00% | -0.10% |
| Q4 2023 | 11.33% | 1.85% | 4.60% | 0.03% | -0.00% |
| Q1 2024 | 11.59% | 1.71% | 4.52% | 0.06% | 0.00% |
| Q2 2024 | 11.81% | 1.68% | 4.44% | 0.04% | 0.10% |
| Q3 2024 | 11.41% | 1.71% | 4.34% | 0.03% | 0.01% |
| Q4 2024 | 11.07% | 1.62% | 3.99% | 0.08% | -0.00% |
| Q1 2025 | 11.47% | 1.56% | 4.01% | 0.07% | -0.00% |
| Q2 2025 | 11.43% | 0.69% | 4.06% | 0.13% | -0.00% |
| Q3 2025 | 11.29% | 1.79% | 4.29% | 0.05% | -0.00% |
| Q4 2025 | 11.61% | 1.68% | 4.35% | 0.18% | 0.02% |
| Q1 2026 | 12.19% | 1.62% | 4.33% | 0.01% | 0.68% |
| Q2 2026 | 12.22% | 1.69% | 4.35% | 0.02% | -0.01% |
Mission Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mission Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)