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
Unfavorable gap of $32.9M · efficiency ratio beats 91% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.61% | 0.93% | 1.23% | 1.54% | Beats 80% | 51 / 258 | | |
| Return on Equity | 14.15% | 9.26% | 11.84% | 14.74% | Beats 69% | 79 / 258 | | |
| Net Interest Margin | 4.07% | 3.16% | 3.49% | 3.88% | Beats 85% | 39 / 258 | | |
| Efficiency Ratio | 45.11% | 51.71% | 60.30% | 69.65% | Beats 91% | 25 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.19% | 0.46% | 0.90% | Beats 95% | 14 / 258 | | |
| Net Charge-Offs / Loans | 0.16% | 0.01% | 0.02% | 0.07% | Beats 12% | 227 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 12.22% | 11.41% | 12.98% | 15.12% | Beats 36% | 164 / 258 | | |
| Total Risk-Based Capital Ratio | 12.22% | 12.10% | 13.91% | 16.08% | Beats 28% | 186 / 258 | | |
| Equity / Assets | 11.37% | 9.09% | 10.24% | 11.72% | Beats 67% | 84 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.57% | 73.24% | 86.34% | 95.95% | 52nd pctl | 125 / 258 | | |
| Loans / Assets | 76.13% | 63.01% | 72.27% | 78.40% | 64th pctl | 93 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |