Mission Valley Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Mission Valley Bank of Sun Valley, CA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.07% | 1.34% | -0.27% | 37th below |
| ROAE | 10.17% | 13.32% | -3.15% | 37th below |
| Net Interest Margin | 4.36% | 3.93% | +0.43% | 73rd above |
| Efficiency Ratio | 69.40% | 61.13% | +8.27% | 30th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.60% | 1.68% | -0.08% | 51st above |
| Yield on Earning Assets | 6.53% | 5.67% | +0.86% | 88th top |
| Cost of Funds | 2.36% | 1.88% | +0.48% | 19th bottom |
| Net Interest Spread | 3.09% | 3.32% | -0.23% | 37th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.97% | 0.94% | +1.03% | 13th bottom |
| NPA / Total Assets | 1.63% | 0.70% | +0.93% | 11th bottom |
| NCO / Avg Loans | 0.69% | 0.16% | +0.53% | 5th bottom |
| ACL / Total Loans | 1.30% | 1.28% | +0.02% | 63rd above |
| ACL / NPLs (Coverage) | 66.22% | 1539.89% | -1473.67% | 17th bottom |
| Texas Ratio | 13.93% | 7.33% | +6.60% | 14th bottom |
| Provision / NCO | 109.01% | 1396.97% | -1287.96% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.25% | 19.51% | -7.26% | 20th bottom |
| Tier 1 Ratio | 12.25% | 19.54% | -7.29% | 20th bottom |
| Total Capital Ratio | 13.44% | 20.63% | -7.19% | 21st bottom |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.00% | 12.14% | -1.14% | 51st above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.73% | 11.37% | -0.64% | 56th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.64% | 11.09% | -0.45% | 59th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.47% | 80.62% | +21.85% | 8th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.09% | 86.86% | +1.23% | 44th below |
| Uninsured Deposit Ratio | 0.05% | 22.40% | -22.35% | 100th top |
| Wholesale Funding Ratio | 8.82% | 5.03% | +3.79% | 18th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.60% | 6.85% | -1.25% | 59th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.73% | 7.90% | -2.17% | 52nd above |
| Deposit Growth (Y/Y) | 2.63% | 6.29% | -3.66% | 40th below |
See Mission Valley Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Mission Valley Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Mission Valley Bank profile, how to read a UBPR, or how this data updates.