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Mission Valley Bank

Sun Valley, CA · Cert 57101 · Mission Valley Bcorp

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area3

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 under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27 to 28). 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

15

Q2 2024Q2 2026peer median (50)

Asset Quality

17

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

57

Q2 2024Q2 2026peer median

Efficiency

46

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 Valley Bank

Sun Valley, CA · Cert 57101 · Mission Valley Bcorp

State charter, non-member · FDIC · 4 branches

Q2 2026

$782.0MAssets
$630.5MLoans
$615.3MDeposits
$83.9MEquity
Loan mix
62%RE $391.7M37%C&I $234.8M0%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $401.5M35%Noninterest $213.8MQ2 2025Q2 2026

NIM

6.29%Q2 ’246.34%Q2 ’255.94%Q2 ’26+6%-7%

Non-interest income vs. expense

3.38%Q2 ’243.79%Q2 ’253.61%Q2 ’26+31%-12%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.1% share · #53 of 107 inst. · $0.6B of $667.8B

Executive Summary

  • Earnings: ROA of 0.82%, down 13 bps year over year; NIM at 3.94%.
  • Asset quality: problem loans at 1.94% of loans (-19 bps YoY), with net charge-offs at 0.34%.
  • Capital: tier 1 leverage ratio of 11.00%, up 82 bps from a year ago.
  • Funding: loans stand at 102.47% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.82%-13 bps YoY

Net Interest Margin (YTD, annualized)

3.94%-29 bps YoY

Efficiency Ratio (YTD, annualized)

71.95%-176 bps YoY

Tier 1 Leverage Ratio

11.00%+82 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%1.03%1.25%0.55%0.82%-13 bps
Return on Equity9.75%10.44%12.47%5.15%7.68%-208 bps
Net Interest Margin4.23%4.28%4.14%3.87%3.94%-29 bps
Efficiency Ratio73.71%72.24%68.55%74.72%71.95%-176 bps
Non-Interest Burden2.88%2.81%2.45%2.61%2.53%-35 bps
Growth
Asset Growth (YoY)14.87%7.03%12.22%9.41%5.60%-926 bps
Loan Growth (YoY)14.27%7.87%11.37%11.41%5.73%-855 bps
Deposit Growth (YoY)18.16%3.04%15.26%6.71%2.63%-1,553 bps
Asset Quality
Nonperforming Loans / Loans2.13%1.54%1.51%2.58%1.94%-19 bps
Net Charge-Offs / Loans0.00%-0.01%0.05%-0.01%0.34%+33 bps
Allowance / Loans1.39%1.47%1.33%1.45%1.30%-9 bps
Allowance Coverage of NPLs0.7x1.0x0.9x0.6x0.7x0.0x
Capital
Tier 1 Leverage Ratio10.17%10.47%11.14%11.13%11.00%+82 bps
Total Risk-Based Capital12.53%13.10%13.36%13.52%13.44%+91 bps
Equity / Assets9.53%10.23%10.64%10.59%10.73%+120 bps
Liquidity & Funding
Loans / Deposits99.46%102.59%95.96%99.13%102.47%+301 bps
Liquid Assets / Assets6.69%6.05%7.49%7.08%7.69%+100 bps
CRE / Total Capitaln/a479%449%450%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 Valley Bank

Sun Valley, CA · Cert 57101 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28) · Mission Valley Bcorp

State charter, non-member · FDIC · 4 branches

Q2 2026

$782.0MAssets
$630.5MLoans
$615.3MDeposits
$83.9MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 64% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 10 of 28).
  • Widest gap: net charge-offs / loans trails 89% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 25 of 27).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.81%

Rank 14 of 28

Net Interest Margin

3.94%

Rank 10 of 28

Efficiency Ratio

71.95%

Rank 16 of 28

Equity / Assets

10.73%

Rank 24 of 28

Non-interest income vs. expense

$8.5M$28.5MINCOMEEXPENSE
Unfavorable gap of $20.0M · efficiency ratio beats 46% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 71.95%Peer median 70.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.81%0.39%0.81%1.45%Beats 50%14 / 28
Return on Equity7.52%2.58%5.09%9.10%Beats 64%10 / 28
Net Interest Margin3.94%3.22%3.68%4.12%Beats 64%10 / 28
Efficiency Ratio71.95%56.77%70.25%85.37%Beats 46%16 / 28
Asset Quality
Nonperforming Loans / Loans1.94%n/a0.26%1.61%Beats 22%22 / 27
Net Charge-Offs / Loans0.18%n/an/a0.02%Beats 11%25 / 27
Capital
Tier 1 Capital Ratio12.25%13.70%16.46%19.75%Beats 14%24 / 28
Total Risk-Based Capital Ratio13.44%14.96%17.60%20.63%Beats 18%23 / 28
Equity / Assets10.73%11.97%15.41%17.42%Beats 14%24 / 28
Liquidity & Funding
Loans / Deposits102.47%84.00%97.95%102.47%75th pctl7 / 28
Loans / Assets80.63%69.18%76.59%81.19%68th pctl9 / 28
Brokered Deposits / Depositsn/aNot reported for this institution