Mission National Bank
San Antonio, TX · Cert 35015 · Peer group: banks under $1B in assets in TX (n=225-228)
FDIC · 7 branches
Q1 2025
$491.9MAssets
$285.7MLoans
$429.4MDeposits
$45.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 63 of 225).
- Widest gap: net interest margin trails 91% of banks under $1B in assets in TX (rank 207 of 228).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.25%
Rank 208 of 228
Net Interest Margin
2.57%
Rank 207 of 228
Efficiency Ratio
89.60%
Rank 205 of 228
Equity / Assets
9.26%
Rank 150 of 228
Non-interest income vs. expense
Unfavorable gap of $11.1M · efficiency ratio beats 11% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.25% | 0.76% | 1.09% | 1.48% | Beats 9% | 208 / 228 | | |
| Return on Equity | 2.71% | 6.96% | 10.63% | 14.91% | Beats 9% | 205 / 225 | | |
| Net Interest Margin | 2.57% | 3.07% | 3.63% | 4.25% | Beats 9% | 207 / 228 | | |
| Efficiency Ratio | 89.60% | 55.39% | 65.15% | 74.18% | Beats 11% | 205 / 228 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.70% | 0.01% | 0.22% | 0.67% | Beats 24% | 173 / 225 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 100% | 63 / 225 | | |
| Capital |
| Tier 1 Capital Ratio | 15.07% | 11.65% | 14.55% | 19.25% | Beats 54% | 104 / 228 | | |
| Total Risk-Based Capital Ratio | 16.13% | 11.69% | 14.89% | 20.30% | Beats 56% | 101 / 228 | | |
| Equity / Assets | 9.26% | 8.58% | 10.37% | 12.02% | Beats 34% | 150 / 228 | | |
| Liquidity & Funding |
| Loans / Deposits | 66.53% | 47.92% | 67.81% | 82.04% | 48th pctl | 118 / 225 | | |
| Loans / Assets | 58.07% | 42.11% | 58.88% | 69.86% | 47th pctl | 119 / 225 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |