Bakersfield, CA · Cert 34805 · Mission Bcorp
State charter, Fed member · FED · 8 branches
Q2 2026
Market Position · Bakersfield-Delano, CA · 2026 SOD (annual) · 7.3% share · #5 of 15 inst. · $0.8B of $11.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.13% | 1.37% | 1.46% | 1.63% | 1.67% | +53 bps | |
| Return on Equity | 10.87% | 13.07% | 13.75% | 14.41% | 14.70% | +384 bps | |
| Net Interest Margin | 3.83% | 3.82% | 3.92% | 4.14% | 4.07% | +24 bps | |
| Efficiency Ratio | 60.11% | 53.29% | 50.25% | 46.31% | 45.11% | -1,500 bps | |
| Non-Interest Burden | 2.17% | 1.88% | 1.80% | 1.74% | 1.66% | -51 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.96% | 7.60% | 1.59% | 2.85% | 8.92% | -105 bps | |
| Loan Growth (YoY) | 10.05% | 13.80% | 13.16% | 14.54% | 12.88% | +282 bps | |
| Deposit Growth (YoY) | 9.71% | 7.55% | 0.42% | 1.81% | 8.40% | -130 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.13% | 0.05% | 0.18% | 0.01% | 0.02% | -11 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.67% | 0.32% | +32 bps | |
| Allowance / Loans | 1.50% | 1.47% | 1.50% | 1.35% | 1.37% | -13 bps | |
| Allowance Coverage of NPLs | 12.0x | 29.0x | 8.3x | 154.8x | 68.6x | +56.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.43% | 11.29% | 11.61% | 12.19% | 12.22% | +78 bps | |
| Total Risk-Based Capital | 11.43% | 11.29% | 11.61% | 12.19% | 12.22% | +78 bps | |
| Equity / Assets | 10.61% | 10.53% | 11.22% | 11.46% | 11.37% | +76 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.14% | 81.82% | 88.10% | 88.32% | 86.57% | +343 bps | |
| Liquid Assets / Assets | 6.76% | 9.91% | 4.81% | 5.08% | 7.13% | +37 bps | |
| CRE / Total Capital | n/a | 424% | 425% | 427% | n/a | n/a | |