Mission National Bank
San Francisco, CA · Cert 23749 · Peer group: banks under $1B in assets (n=573-620) · 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 81 of 573).
- Widest gap: return on equity trails 92% of banks under $1B in assets (rank 573 of 620).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
-0.04%
Rank 573 of 620
Net Interest Margin
2.76%
Rank 527 of 620
Efficiency Ratio
93.92%
Rank 562 of 620
Equity / Assets
12.88%
Rank 183 of 620
Non-interest income vs. expense
Unfavorable gap of $6.5M · efficiency ratio beats 10% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.04% | 0.60% | 1.00% | 1.45% | Beats 8% | 573 / 620 | |
| Return on Equity | -0.33% | 5.30% | 9.30% | 13.29% | Beats 8% | 573 / 620 | |
| Net Interest Margin | 2.76% | 3.02% | 3.53% | 4.04% | Beats 15% | 527 / 620 | |
| Efficiency Ratio | 93.92% | 58.35% | 68.08% | 79.37% | Beats 10% | 562 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.47% | 1.27% | Beats 100% | 81 / 573 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 66% | 201 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 13.94% | 11.27% | 13.87% | 18.78% | Beats 51% | 305 / 620 | |
| Total Risk-Based Capital Ratio | 13.94% | 11.69% | 14.57% | 19.67% | Beats 46% | 336 / 620 | |
| Equity / Assets | 12.88% | 9.03% | 10.60% | 13.73% | Beats 70% | 183 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 99.09% | 65.08% | 79.69% | 92.47% | 85th pctl | 88 / 585 | |
| Loans / Assets | 85.00% | 51.85% | 67.17% | 77.86% | 93rd pctl | 45 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |