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.
Construction concentration (tier 1 capital + allowance) climbed 2.00 percentage points in Q2 2026, from 11.36% to 13.36%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Mission Bank is 1st from the bottom among 12 Arizona banks, 41.60% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Mission Bank sits 39.24 points lower, at 41.60% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $71.1M |
| Net loans and leases | $70.3M |
| Loans held for sale | $0 |
| Loans to total assets | 38.44% |
| Loan-to-deposit ratio | 41.60% |
| Net loans to equity capital | 5.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.53% |
| Multifamily (5+ residential) | 1.59% |
| Commercial and industrial | 23.29% |
| Consumer | 0.16% |
| Credit cards | 0.00% |
| Farm | 8.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 84.86% |
| Construction concentration (Tier 1 capital + allowance) | 13.36% |
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 | 6.59% |
| Interest income on loans | $1.2M |
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 | $71.0M | $185.9M | 55.20% | 23.49% | 0.56% |
| Q4 2023 | $72.9M | $168.5M | 52.25% | 25.58% | 0.56% |
| Q1 2024 | $73.2M | $169.3M | 50.46% | 27.83% | 0.40% |
| Q2 2024 | $73.1M | $172.9M | 51.66% | 27.75% | 0.35% |
| Q3 2024 | $74.2M | $174.2M | 50.64% | 26.33% | 0.34% |
| Q4 2024 | $75.4M | $170.9M | 51.10% | 25.53% | 0.33% |
| Q1 2025 | $76.2M | $181.3M | 51.17% | 26.14% | 0.25% |
| Q2 2025 | $71.1M | $177.8M | 48.82% | 27.96% | 0.26% |
| Q3 2025 | $71.1M | $179.0M | 49.21% | 27.30% | 0.25% |
| Q4 2025 | $69.1M | $171.5M | 49.09% | 26.18% | 0.23% |
| Q1 2026 | $70.5M | $168.4M | 46.70% | 24.56% | 0.19% |
| Q2 2026 | $71.1M | $171.0M | 46.53% | 23.29% | 0.16% |
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 57137) · FFIEC NIC profile (RSSD 2963275)