Mission Valley 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.
Cre concentration (tier 1 capital + allowance) dropped 12.31 percentage points in Q2 2026, from 238.27% to 225.96%. It was the largest change from Q1 2026 among the key lines here. Within California, Mission Valley Bank is 16th of 114 on loan-to-deposit ratio, 102.47% as of Q2 2026, above the middle of the field. Mission Valley Bank reported 102.47% on loan-to-deposit ratio for Q2 2026, 21.63 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $630.5M |
| Net loans and leases | $622.3M |
| Loans held for sale | $0 |
| Loans to total assets | 80.63% |
| Loan-to-deposit ratio | 102.47% |
| Net loans to equity capital | 7.42% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 54.07% |
| Multifamily (5+ residential) | 3.49% |
| Commercial and industrial | 38.21% |
| Consumer | 0.08% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 225.96% |
| Construction concentration (Tier 1 capital + allowance) | 16.39% |
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 | 7.14% |
| Interest income on loans | $11.2M |
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 | $479.3M | $485.9M | 59.96% | 29.52% | 0.07% |
| Q4 2023 | $518.8M | $524.6M | 59.65% | 30.20% | 0.15% |
| Q1 2024 | $551.7M | $546.9M | 59.58% | 30.93% | 0.12% |
| Q2 2024 | $521.9M | $507.4M | 57.83% | 32.86% | 0.10% |
| Q3 2024 | $536.8M | $547.8M | 58.49% | 32.62% | 0.03% |
| Q4 2024 | $547.8M | $551.5M | 55.80% | 35.27% | 0.16% |
| Q1 2025 | $562.5M | $592.4M | 54.20% | 36.96% | 0.04% |
| Q2 2025 | $596.4M | $599.6M | 54.94% | 37.04% | 0.06% |
| Q3 2025 | $579.1M | $564.5M | 56.41% | 35.65% | 0.20% |
| Q4 2025 | $610.1M | $635.7M | 55.98% | 37.47% | 0.02% |
| Q1 2026 | $626.7M | $632.1M | 55.00% | 37.46% | 0.04% |
| Q2 2026 | $630.5M | $615.3M | 54.07% | 38.21% | 0.08% |
Mission Valley Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Mission Valley 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 Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57101) · FFIEC NIC profile (RSSD 3039636)