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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