Mission National 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) dropped 9.24 percentage points in Q2 2026, from 14.99% to 5.75%. It was the largest change from Q1 2026 among the key lines here. Within California, Mission National Bank is 28th of 114 on loan-to-deposit ratio, 99.09% as of Q2 2026, above the middle of the field. Mission National Bank reported 99.09% on loan-to-deposit ratio for Q2 2026, 18.26 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $234.9M |
| Net loans and leases | $232.1M |
| Loans held for sale | $0 |
| Loans to total assets | 85.00% |
| Loan-to-deposit ratio | 99.09% |
| Net loans to equity capital | 6.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 49.89% |
| Multifamily (5+ residential) | 12.73% |
| Commercial and industrial | 2.99% |
| Consumer | 0.03% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.45% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 349.85% |
| Construction concentration (Tier 1 capital + allowance) | 5.75% |
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 | 5.85% |
| Interest income on loans | $3.1M |
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 | $141.4M | $140.4M | 68.60% | 4.06% | 0.03% |
| Q4 2023 | $146.2M | $152.2M | 68.50% | 3.77% | 0.05% |
| Q1 2024 | $157.7M | $166.4M | 62.42% | 4.76% | 0.04% |
| Q2 2024 | $167.0M | $171.5M | 57.56% | 4.99% | 0.04% |
| Q3 2024 | $168.4M | $166.0M | 57.17% | 4.70% | 0.04% |
| Q4 2024 | $175.5M | $176.2M | 57.36% | 4.25% | 0.04% |
| Q1 2025 | $206.4M | $189.1M | 52.90% | 3.49% | 0.03% |
| Q2 2025 | $208.5M | $194.4M | 52.62% | 3.29% | 0.03% |
| Q3 2025 | $200.6M | $199.9M | 54.11% | 3.25% | 0.03% |
| Q4 2025 | $199.1M | $192.4M | 57.29% | 3.79% | 0.03% |
| Q1 2026 | $202.8M | $206.6M | 55.71% | 3.64% | 0.03% |
| Q2 2026 | $234.9M | $237.1M | 49.89% | 2.99% | 0.03% |
Mission National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Mission National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23749) · FFIEC NIC profile (RSSD 519360)