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Mission Bank

Bakersfield, CA · Cert 34805 · Mission Bcorp

State charter, Fed member · FED · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

44

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

78

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

91

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 Bank

Bakersfield, CA · Cert 34805 · Mission Bcorp

State charter, Fed member · FED · 8 branches

Q2 2026

$2.0BAssets
$1.5BLoans
$1.8BDeposits
$228.6MEquity
Loan mix
89%RE $1.3B11%C&I $0.2B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
60%Interest-bearing $1.1B40%Noninterest $0.7BQ3 2024Q2 2026

Market Position · Bakersfield-Delano, CA · 2026 SOD (annual) · 7.3% share · #5 of 15 inst. · $0.8B of $11.3B

7.3% Kern
0.1% Los Angeles
4.0% Tulare
1.0% Ventura

Executive Summary

  • Earnings: ROA of 1.67%, up 53 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 0.02% of loans (-11 bps YoY), with net charge-offs at 0.32%.
  • Capital: tier 1 leverage ratio of 12.22%, up 78 bps from a year ago.
  • Funding: loans stand at 86.57% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.67%+53 bps YoY

Net Interest Margin (YTD, annualized)

4.07%+24 bps YoY

Efficiency Ratio (YTD, annualized)

45.11%-1,500 bps YoY

Tier 1 Leverage Ratio

12.22%+78 bps YoY

NIM

5.63%Q2 ’245.44%Q2 ’255.42%Q2 ’26-10%+6%

Non-interest income vs. expense

2.16%Q2 ’242.51%Q2 ’251.98%Q2 ’26+21%-23%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.71%1.70%1.56%1.13%1.37%1.46%1.63%1.67%+53 bps
Return on Equity16.31%16.29%15.10%10.87%13.07%13.75%14.41%14.70%+384 bps
Net Interest Margin4.04%3.82%3.82%3.83%3.82%3.92%4.14%4.07%+24 bps
Efficiency Ratio46.48%45.51%46.90%60.11%53.29%50.25%46.31%45.11%-1,500 bps
Non-Interest Burden1.66%1.54%1.62%2.17%1.88%1.80%1.74%1.66%-51 bps
Growth
Asset Growth (YoY)12.52%12.87%14.64%9.96%7.60%1.59%2.85%8.92%-105 bps
Loan Growth (YoY)7.27%6.63%5.61%10.05%13.80%13.16%14.54%12.88%+282 bps
Deposit Growth (YoY)14.08%14.83%16.63%9.71%7.55%0.42%1.81%8.40%-130 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.08%0.07%0.13%0.05%0.18%0.01%0.02%-11 bps
Net Charge-Offs / Loans0.04%0.03%0.00%0.00%0.00%0.00%0.67%0.32%+32 bps
Allowance / Loans1.53%1.50%1.51%1.50%1.47%1.50%1.35%1.37%-13 bps
Allowance Coverage of NPLs47.7x18.3x22.5x12.0x29.0x8.3x154.8x68.6x+56.6x
Capital
Tier 1 Leverage Ratio11.41%11.07%11.47%11.43%11.29%11.61%12.19%12.22%+78 bps
Total Risk-Based Capital11.41%11.07%11.47%11.43%11.29%11.61%12.19%12.22%+78 bps
Equity / Assets10.32%10.17%10.55%10.61%10.53%11.22%11.46%11.37%+76 bps
Liquidity & Funding
Loans / Deposits77.33%78.18%78.50%83.14%81.82%88.10%88.32%86.57%+343 bps
Liquid Assets / Assets13.15%12.33%12.39%6.76%9.91%4.81%5.08%7.13%+37 bps
CRE / Total Capitaln/an/an/an/a424%425%427%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 Bank

Bakersfield, CA · Cert 34805 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Mission Bcorp

State charter, Fed member · FED · 8 branches

Q2 2026

$2.0BAssets
$1.5BLoans
$1.8BDeposits
$228.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 95% of banks $1B-$10B in assets operating in a single state (rank 14 of 258).
  • Widest gap: net charge-offs / loans trails 88% of banks $1B-$10B in assets operating in a single state (rank 227 of 258).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.61%

Rank 51 of 258

Net Interest Margin

4.07%

Rank 39 of 258

Efficiency Ratio

45.11%

Rank 25 of 257

Equity / Assets

11.37%

Rank 84 of 258

Non-interest income vs. expense

$6.4M$39.4MINCOMEEXPENSE
Unfavorable gap of $32.9M · efficiency ratio beats 91% of banks $1B-$10B in assets operating in a single state
Bank 45.11%Peer median 60.3%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.61%0.93%1.23%1.54%Beats 80%51 / 258
Return on Equity14.15%9.26%11.84%14.74%Beats 69%79 / 258
Net Interest Margin4.07%3.16%3.49%3.88%Beats 85%39 / 258
Efficiency Ratio45.11%51.71%60.30%69.65%Beats 91%25 / 257
Asset Quality
Nonperforming Loans / Loans0.02%0.19%0.46%0.90%Beats 95%14 / 258
Net Charge-Offs / Loans0.16%0.01%0.02%0.07%Beats 12%227 / 258
Capital
Tier 1 Capital Ratio12.22%11.41%12.98%15.12%Beats 36%164 / 258
Total Risk-Based Capital Ratio12.22%12.10%13.91%16.08%Beats 28%186 / 258
Equity / Assets11.37%9.09%10.24%11.72%Beats 67%84 / 258
Liquidity & Funding
Loans / Deposits86.57%73.24%86.34%95.95%52nd pctl125 / 258
Loans / Assets76.13%63.01%72.27%78.40%64th pctl93 / 258
Brokered Deposits / Depositsn/aNot reported for this institution