San Francisco, CA · Cert 23749 · MNB Holdings Corp.
National charter · OCC · 1 branch
Q2 2026
Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.0% share · #44 of 69 inst. · $0.2B of $513.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.17% | -0.46% | -0.65% | 0.86% | 0.53% | 0.09% | 0.10% | -0.18% | -104 bps | |
| Return on Equity | -0.97% | -2.66% | -4.12% | 5.70% | 3.44% | 0.55% | 0.68% | -1.34% | -704 bps | |
| Net Interest Margin | 2.72% | 2.46% | 2.43% | 2.77% | 2.75% | 2.83% | 2.78% | 2.85% | +8 bps | |
| Efficiency Ratio | 104.68% | 124.15% | 128.48% | 59.77% | 71.63% | 101.05% | 95.45% | 92.48% | +3,271 bps | |
| Non-Interest Burden | 2.85% | 3.08% | 3.14% | 1.43% | 1.90% | 2.86% | 2.64% | 2.62% | +118 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 / Loans | 0.00% | 0.00% | 0.73% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.36% | 1.33% | 1.21% | 1.22% | 1.29% | 1.26% | 1.23% | 1.20% | -2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 1.7x | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.60% | 16.80% | 16.61% | 15.29% | 15.12% | 15.64% | 14.76% | 13.94% | -135 bps | |
| Total Risk-Based Capital | 16.60% | 16.80% | 16.61% | 15.29% | 15.12% | 15.64% | 14.76% | 13.94% | -135 bps | |
| Equity / Assets | 17.36% | 16.94% | 14.91% | 15.31% | 15.60% | 15.70% | 14.44% | 12.88% | -243 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.48% | 99.56% | 109.15% | 107.21% | 100.34% | 103.52% | 98.19% | 99.09% | -812 bps | |
| Liquid Assets / Assets | 16.73% | 16.13% | 12.93% | 10.98% | 13.30% | 11.85% | 15.62% | 10.98% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 378% | 400% | 418% | n/a | n/a | |