Mission National 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 Core deposits to total deposits: 11.86 percentage points lower than in Q1 2026, at 50.94%. Within California, Mission National Bank is 101st of 114 on return on assets, -0.19% as of Q2 2026, below the middle of the field. Mission National Bank's return on assets of -0.19% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.45 points (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 | 13.94% |
| Equity capital to assets | 12.88% |
| Tangible equity to tangible assets | 12.88% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.20% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.19% |
| Return on equity | -1.34% |
| Net interest margin | 2.88% |
| Efficiency ratio | 92.36% |
| Yield on earning assets | 5.59% |
| Cost of funds | 3.31% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.09% |
| Core deposits to total deposits | 50.94% |
| Brokered deposits to total deposits | 35.13% |
| Deposits to assets | 85.77% |
| Securities to assets | — |
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 | 21.27% | 3.33% | 3.44% | 0.00% | -0.00% |
| Q4 2023 | 20.44% | 0.20% | 3.41% | 0.00% | -0.00% |
| Q1 2024 | 19.38% | -0.37% | 3.05% | 0.00% | -0.00% |
| Q2 2024 | 17.66% | -0.04% | 3.31% | 0.00% | -0.00% |
| Q3 2024 | 16.60% | -0.16% | 2.79% | 0.00% | -0.00% |
| Q4 2024 | 16.80% | -0.45% | 2.53% | 0.00% | 0.00% |
| Q1 2025 | 16.61% | -0.69% | 2.47% | 0.73% | 0.00% |
| Q2 2025 | 15.29% | 0.87% | 2.82% | 0.00% | -0.01% |
| Q3 2025 | 15.12% | 0.52% | 2.79% | 0.00% | 0.00% |
| Q4 2025 | 15.64% | 0.09% | 2.88% | 0.00% | -0.00% |
| Q1 2026 | 14.76% | 0.10% | 2.82% | 0.00% | -0.00% |
| Q2 2026 | 13.94% | -0.19% | 2.88% | 0.00% | 0.00% |
Mission National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mission National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23749) · FFIEC NIC profile (RSSD 519360)