Mission Valley Bank
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Data as of · sourced from FFIEC call reports. How we update
Mission Valley Bank is an FDIC-insured commercial bank headquartered in Sun Valley, CA, established in 2001 (FDIC certificate 57101), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $782.0M, up 5.6% from Q2 2025, the 69th largest of 113 banks headquartered in California. Its CET1 capital ratio was 12.25% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57101
- Headquarters
- Sun Valley, CA
- Established
- 2001
- Total assets, Q2 2026
- $782.0M
- Assets vs Q2 2025
- +5.6%
- CET1 ratio, Q2 2026
- 12.25%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 122243224
- Holding company
- MISSION VALLEY BANCORP
- Asset rank in state
- 69th of 113 in California
Mission Valley Bank, based in Sun Valley, California, reported $782 million in assets at June 30, 2026, up 5.6% from a year earlier. It holds 0% of its deposits (0%) above the FDIC insurance limit, a small fraction of the median of 20.8% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 12.6% of the capital and reserves that would absorb them, 4.8 times the median of 2.6% for banks its size.
The non-owner-occupied commercial real estate book ($177 million) is worsening: 4.46% of it is past due or on nonaccrual, up from 0.50% a year earlier. Earnings jumped: net income for the quarter was $2.1 million, 39% above the same quarter a year earlier. Where it has less room is capital: it holds common equity equal to 12.25% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, Mission Valley Bank reported a CET1 capital ratio of 12.25%, a return on assets of 1.07%, a nonperforming-loan ratio of 1.94% and a Texas ratio of 12.65%. The figures come from its call report filed with the FFIEC.
Of the 113 banks headquartered in California, Mission Valley Bank is the 69th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.2% to $782.0M, loans rose 0.6% and deposits fell 2.7%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 38.2% of total loans, ahead of non-owner-occupied commercial real estate loans at 28.1%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in CA; its Sun Valley office books 72% of its branch deposits. By the capital ratios in its Q2 2026 call report, Mission Valley Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 8823 Sunland Blvd, Sun Valley, CA 91352
- County
- Los Angeles
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 12, 2001
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 108
- Domestic deposits
- $615.3M
- Allowance for credit losses
- $8.2M
- Net charge-offs (YTD)
- $1.1M
- Average total assets
- $790.1M
- Average total loans
- $634.5M
- Average interest-bearing deposits
- $458.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 12, 2001
- FDIC Cert
- 57101
- Fed RSSD
- 3039636
- Website
- www.missionvalleybank.com →
- Parent Holding Company
- MISSION VALLEY BANCORP (RSSD 3364600)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Mission Valley Bank's total assets ranged from $586.7M (Q3 2023) to $782.0M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$782.0M total assets against $740.5M; $698.1M total liabilities against $669.9M.
$622.3M net loans and leases against $588.1M; $615.3M total deposits against $599.6M.
$42.2M securities against $46.4M; $69.5M cash and balances due against $62.4M.
$12.3M total interest income against $11.6M; $4.1M total interest expense against $4.0M.
$8.2M net interest income against $7.6M.
$2.1M total noninterest income against $1.7M; $7.2M total noninterest expense against $7.2M.
$200K provision for credit losses against $0.
$2.1M net income against $1.5M.
1.07% return on assets against 0.83%; 4.36% net interest margin against 4.34%.
12.25% CET1 capital ratio against 11.28%; 11.00% tier 1 leverage ratio against 10.17%.
Inside the full Mission Valley 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Mission Valley Bank rankings
Its closest position to the top of a national ranking is 435 of 3,640, for Texas Ratio; its furthest is 980 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.55% (Q1 2026) to 1.87% (Q4 2025) and its net interest margin ran from 4.06% (Q1 2026) to 4.73% (Q1 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.25% | 1.07% | 1.94% | 12.65% | 4.36% |
| Q1 2026 | 12.26% | 0.55% | 2.58% | 17.26% | 4.06% |
| Q4 2025 | 12.15% | 1.87% | 1.51% | 9.33% | 4.32% |
| Q3 2025 | 11.85% | 1.16% | 1.54% | 9.89% | 4.56% |
| Q2 2025 | 11.28% | 0.83% | 2.13% | 15.05% | 4.34% |
| Q1 2025 | 11.39% | 1.05% | 2.23% | 14.71% | 4.73% |
| Q4 2024 | 11.24% | 0.80% | 0.96% | 7.12% | 4.46% |
| Q3 2024 | 11.44% | 0.93% | 0.26% | 1.95% | 4.48% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → 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 Valley Bank (main office) | Sun Valley , CA | 91352 | $443.6M |
| Santa Clarita Branch | Valencia , CA | 91355 | $115.7M |
| Burbank Branch | Burbank , CA | 91504 | $37.0M |
| Arcadia Branch | Arcadia , CA | 91006 | $19.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 102 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 62 loans, $104.8M approved, $1.7M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Valley Bank
What are Mission Valley Bank's total assets?
As of the Q2 2026 filing, Mission Valley Bank reported total assets of $782.0 million in its FFIEC call report.
Where is Mission Valley Bank headquartered?
It is headquartered in Sun Valley, CA, United States.
When was Mission Valley Bank founded?
It was established in 2001, per the FDIC institution directory.
Is Mission Valley Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57101). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Mission Valley Bank?
Mission Valley Bank's primary federal regulator is the FDIC.
What is Mission Valley Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.25% in its Q2 2026 call report, above regulatory requirements.
How many branches does Mission Valley Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Mission Valley Bank's Texas Ratio?
Its Texas Ratio is 12.65% 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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