Mission National Bank
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Data as of · sourced from FFIEC call reports. How we update
Mission National Bank is an FDIC-insured commercial bank headquartered in San Francisco, CA, established in 1982 (FDIC certificate 23749), and it is supervised by the OCC. At Q2 2026 it reported total assets of $276.4M, up 13.6% from Q2 2025, the 94th largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.94% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 23749
- Headquarters
- San Francisco, CA
- Established
- 1982
- Total assets, Q2 2026
- $276.4M
- Assets vs Q2 2025
- +13.6%
- Tier 1 leverage ratio, Q2 2026
- 13.94%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 121038773
- Latest call report
- Q2 2026, FFIEC 051 · Mission National Bank call report
- Holding company
- MNB HOLDINGS CORPORATION
- Asset rank in state
- 94th of 113 in California
Mission National Bank spends more to run itself than most banks of its size. The San Francisco, California bank had $276 million in assets at June 30, 2026, up 13.6% from a year earlier. It loses about $0.19 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 92 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
It lost $120,000 in the quarter. Over the same year, loans grew 12.7% and deposits grew 21.9%. Its margin is thin by comparison: it keeps 2.88 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Mission National Bank reported a return on assets of -0.19%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Mission National Bank ranks as the 94th largest of the 113 banks based in California, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 10.9% to $276.4M, loans rose 15.8% and deposits rose 14.8%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 42.4% of total loans, ahead of 1-4 family residential loans at 32.9%. Its one office in the FDIC Summary of Deposits is in San Francisco, CA. On its Q2 2026 call report, Mission National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 3060 16th St, San Francisco, CA 94103
- County
- San Francisco
- Metro Area
- San Francisco-Oakland-Fremont, CA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- 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
- February 16, 1982
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 26
- Domestic deposits
- $237.1M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $250.6M
- Average total loans
- $211.1M
- Average interest-bearing deposits
- $181.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 16, 1982
- FDIC Cert
- 23749
- Fed RSSD
- 519360
- SEC CIK
- 1258548 → filed by MNB HOLDINGS CORPORATION
- Website
- www.mnbsf.com →
- Parent Holding Company
- MNB HOLDINGS CORPORATION (RSSD 3195297)
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 National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Mission National Bank's total assets moved between a low of $189.2M (Q3 2023) and a high of $276.4M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 6 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$276.4M total assets against $243.3M; $240.8M total liabilities against $206.1M.
$232.1M net loans and leases against $205.9M; $237.1M total deposits against $194.4M.
$0 securities against $0; $35.4M cash and balances due against $29.9M.
$3.4M total interest income against $3.4M; $1.7M total interest expense against $1.7M.
$1.8M net interest income against $1.7M.
$58K total noninterest income against $328K; $1.7M total noninterest expense against $1.2M.
$311K provision for credit losses against $30K.
-$120K net income against $527K.
-0.19% return on assets against 0.87%; 2.88% net interest margin against 2.82%.
13.94% tier 1 leverage ratio against 15.29%.
Inside the full Mission National 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Mission National Bank rankings
Its closest position to the top of a national ranking is 2,579 of 4,196, for total assets; its furthest is 3,526 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.69% (Q1 2025) to 0.87% (Q2 2025) and its net interest margin ran from 2.47% (Q1 2025) to 2.88% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.94% | -0.19% | 0.00% | 0.00% | 2.88% |
| Q1 2026 | 14.76% | 0.10% | 0.00% | 0.00% | 2.82% |
| Q4 2025 | 15.64% | 0.09% | 0.00% | 0.00% | 2.88% |
| Q3 2025 | 15.12% | 0.52% | 0.00% | 0.00% | 2.79% |
| Q2 2025 | 15.29% | 0.87% | 0.00% | 0.00% | 2.82% |
| Q1 2025 | 16.61% | -0.69% | 0.73% | 3.86% | 2.47% |
| Q4 2024 | 16.80% | -0.45% | 0.00% | 0.00% | 2.53% |
| Q3 2024 | 16.60% | -0.16% | 0.00% | 0.00% | 2.79% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 National Bank (main office) | San Francisco , CA | 94103 | $237.1M |
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 |
|---|---|---|---|
| May 19, 1990 | Structure Change | Acquired City Federal Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 18, 1990 | 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.
- Enforcement actions
- 5 against the institution (OCC); 10 against individuals associated with it
- April 14, 2020, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Mission National Bank
- March 22, 2012, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Mission National Bank
- June 7, 2011, OCC: Formal Agreement: Mission National Bank
- November 30, 1998, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Mission National Bank
- June 25, 1992, OCC: Formal Agreement: Mission National Bank
- Period: Most recent institution action April 14, 2020. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CA, rank 129 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $145K approved, $145K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, 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 National Bank
What are Mission National Bank's total assets?
As of the Q2 2026 filing, Mission National Bank reported total assets of $276.4 million in its FFIEC call report.
Where is Mission National Bank headquartered?
It is headquartered in San Francisco, CA, United States.
When was Mission National Bank founded?
It was established in 1982, per the FDIC institution directory.
Is Mission National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23749). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Mission National Bank?
Mission National Bank's primary federal regulator is the OCC.
How many branches does Mission National Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Mission National Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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