Mission Valley 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 Reserve coverage of non-performing loans: 12.75 percentage points higher than in Q1 2026, at 66.22%. Within California, Mission Valley Bank is 56th of 114 on return on assets, 1.07% as of Q2 2026, above the middle of the field. Mission Valley Bank reported 1.07% on return on assets for Q2 2026, 0.19 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.25% |
| Tier 1 risk-based capital ratio | 12.25% |
| Total risk-based capital ratio | 13.44% |
| Tier 1 leverage ratio | 11.00% |
| Equity capital to assets | 10.73% |
| Tangible equity to tangible assets | 10.64% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.97% |
| Non-performing assets ratio | 1.63% |
| Net charge-off ratio | 0.69% |
| Texas ratio | 13.93% |
| Allowance for credit losses to loans | 1.30% |
| Reserve coverage of non-performing loans | 66.22% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.07% |
| Return on equity | 10.17% |
| Net interest margin | 4.36% |
| Efficiency ratio | 69.40% |
| Yield on earning assets | 6.53% |
| Cost of funds | 2.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.47% |
| Core deposits to total deposits | 88.09% |
| Brokered deposits to total deposits | 8.45% |
| Deposits to assets | 78.68% |
| Securities to assets | 5.40% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.39% | 12.39% | 13.64% | 11.11% | 3.45% |
| Q4 2023 | 11.23% | 11.23% | 12.48% | 10.53% | 0.02% |
| Q1 2024 | 10.74% | 10.74% | 11.96% | 9.91% | 1.22% |
| Q2 2024 | 11.49% | 11.49% | 12.74% | 10.06% | 1.29% |
| Q3 2024 | 11.44% | 11.44% | 12.65% | 10.54% | 0.93% |
| Q4 2024 | 11.24% | 11.24% | 12.49% | 10.36% | 0.80% |
| Q1 2025 | 11.39% | 11.39% | 12.64% | 10.40% | 1.05% |
| Q2 2025 | 11.28% | 11.28% | 12.53% | 10.17% | 0.83% |
| Q3 2025 | 11.85% | 11.85% | 13.10% | 10.47% | 1.16% |
| Q4 2025 | 12.15% | 12.15% | 13.36% | 11.14% | 1.87% |
| Q1 2026 | 12.26% | 12.26% | 13.52% | 11.13% | 0.55% |
| Q2 2026 | 12.25% | 12.25% | 13.44% | 11.00% | 1.07% |
Mission Valley Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mission Valley 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 Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57101) · FFIEC NIC profile (RSSD 3039636)