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Mission National Bank

San Francisco, CA · Cert 23749 · MNB Holdings Corp.

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=570 to 617). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

56

Q2 2024Q2 2026peer median (50)

Asset Quality

83

Q2 2024Q2 2026peer median (50)

Profitability

10

Q2 2024Q2 2026peer median (50)

Liquidity

15

Q2 2024Q2 2026peer median

Efficiency

10

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Mission National Bank

San Francisco, CA · Cert 23749 · MNB Holdings Corp.

National charter · OCC · 1 branch

Q2 2026

$276.4MAssets
$234.9MLoans
$237.1MDeposits
$35.6MEquity
Loan mix
96%RE $194.1M4%C&I $7.4M0%Consumer $0.1MQ3 2024Q2 2026
Deposit mix
92%Interest-bearing $219.2M8%Noninterest $17.9MQ3 2024Q2 2026

Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.0% share · #44 of 69 inst. · $0.2B of $513.2B

Executive Summary

  • Earnings: ROA of -0.05%, down 17 bps year over year; NIM at 2.76%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.94%, down 135 bps from a year ago.
  • Funding: loans stand at 99.09% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

-0.05%-17 bps YoY

Net Interest Margin (YTD, annualized)

2.76%+27 bps YoY

Efficiency Ratio (YTD, annualized)

93.92%+606 bps YoY

Tier 1 Leverage Ratio

13.94%-135 bps YoY

NIM

5.18%Q2 ’245.15%Q2 ’255.32%Q2 ’26-18%+11%

Non-interest income vs. expense

3.62%Q2 ’242.46%Q2 ’252.66%Q2 ’26-35%+20%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.19%-0.25%-0.65%0.12%0.26%0.22%0.10%-0.05%-17 bps
Return on Equity-1.03%-1.43%-4.12%0.79%1.68%1.40%0.68%-0.32%-111 bps
Net Interest Margin2.82%2.77%2.43%2.49%2.54%2.71%2.78%2.76%+27 bps
Efficiency Ratio107.27%110.91%128.48%87.86%82.16%86.83%95.45%93.92%+606 bps
Non-Interest Burden3.04%3.09%3.14%2.14%2.03%2.32%2.64%2.58%+44 bps
Growth
Asset Growth (YoY)13.71%8.79%17.00%11.99%11.91%8.11%1.17%13.59%+160 bps
Loan Growth (YoY)19.13%19.99%30.91%24.80%19.11%13.49%-1.74%12.71%-1,210 bps
Deposit Growth (YoY)18.26%15.80%13.63%13.35%20.46%9.15%9.23%21.94%+859 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.73%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.36%1.33%1.21%1.22%1.29%1.26%1.23%1.20%-2 bps
Allowance Coverage of NPLsn/an/a1.7xn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio16.60%16.80%16.61%15.29%15.12%15.64%14.76%13.94%-135 bps
Total Risk-Based Capital16.60%16.80%16.61%15.29%15.12%15.64%14.76%13.94%-135 bps
Equity / Assets17.36%16.94%14.91%15.31%15.60%15.70%14.44%12.88%-243 bps
Liquidity & Funding
Loans / Deposits101.48%99.56%109.15%107.21%100.34%103.52%98.19%99.09%-812 bps
Liquid Assets / Assets16.73%16.13%12.93%10.98%13.30%11.85%15.62%10.98%0 bps
CRE / Total Capitaln/an/an/an/a378%400%418%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Mission National Bank

San Francisco, CA · Cert 23749 · Peer group: banks under $1B in assets (n=570-617) · MNB Holdings Corp.

National charter · OCC · 1 branch

Q2 2026

$276.4MAssets
$234.9MLoans
$237.1MDeposits
$35.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 78 of 570).
  • Widest gap: return on equity trails 92% of banks under $1B in assets (rank 569 of 617).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-0.04%

Rank 569 of 617

Net Interest Margin

2.76%

Rank 527 of 617

Efficiency Ratio

93.92%

Rank 558 of 617

Equity / Assets

12.88%

Rank 183 of 617

Non-interest income vs. expense

$0.2M$6.7MINCOMEEXPENSE
Unfavorable gap of $6.5M · efficiency ratio beats 10% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-0.04%0.60%1.01%1.45%Beats 8%569 / 617n/a
Return on Equity-0.33%5.30%9.43%13.30%Beats 8%569 / 617n/a
Net Interest Margin2.76%3.04%3.54%4.05%Beats 15%527 / 617n/a
Efficiency Ratio93.92%58.03%67.76%79.08%Beats 10%558 / 617n/a
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.47%1.27%Beats 100%78 / 570n/a
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 65%201 / 570n/a
Capital
Tier 1 Capital Ratio13.94%11.18%13.83%18.55%Beats 51%300 / 617n/a
Total Risk-Based Capital Ratio13.94%11.56%14.39%19.39%Beats 46%331 / 617n/a
Equity / Assets12.88%9.03%10.55%13.63%Beats 70%183 / 617n/a
Liquidity & Funding
Loans / Deposits99.09%64.77%79.70%93.06%85th pctl87 / 582n/a
Loans / Assets85.00%51.70%67.18%77.51%93rd pctl45 / 617n/a
Brokered Deposits / Depositsn/aNot reported for this institution