Sun Valley, CA · Cert 57101 · Mission Valley Bcorp
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.1% share · #53 of 107 inst. · $0.6B of $667.8B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.07% | 1.06% | 0.95% | 1.03% | 1.25% | 0.55% | 0.82% | -13 bps | |
| Return on Equity | 12.20% | 11.20% | 10.84% | 9.75% | 10.44% | 12.47% | 5.15% | 7.68% | -208 bps | |
| Net Interest Margin | 4.17% | 4.07% | 4.51% | 4.23% | 4.28% | 4.14% | 3.87% | 3.94% | -29 bps | |
| Efficiency Ratio | 68.17% | 67.43% | 70.29% | 73.71% | 72.24% | 68.55% | 74.72% | 71.95% | -176 bps | |
| Non-Interest Burden | 2.49% | 2.38% | 2.90% | 2.88% | 2.81% | 2.45% | 2.61% | 2.53% | -35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.81% | 3.58% | 5.25% | 14.87% | 7.03% | 12.22% | 9.41% | 5.60% | -926 bps | |
| Loan Growth (YoY) | 12.01% | 5.59% | 1.95% | 14.27% | 7.87% | 11.37% | 11.41% | 5.73% | -855 bps | |
| Deposit Growth (YoY) | 12.75% | 5.13% | 8.32% | 18.16% | 3.04% | 15.26% | 6.71% | 2.63% | -1,553 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.26% | 0.96% | 2.23% | 2.13% | 1.54% | 1.51% | 2.58% | 1.94% | -19 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | -0.02% | 0.00% | -0.01% | 0.05% | -0.01% | 0.34% | +33 bps | |
| Allowance / Loans | 1.35% | 1.48% | 1.48% | 1.39% | 1.47% | 1.33% | 1.45% | 1.30% | -9 bps | |
| Allowance Coverage of NPLs | 5.1x | 1.5x | 0.7x | 0.7x | 1.0x | 0.9x | 0.6x | 0.7x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.54% | 10.36% | 10.40% | 10.17% | 10.47% | 11.14% | 11.13% | 11.00% | +82 bps | |
| Total Risk-Based Capital | 12.65% | 12.49% | 12.64% | 12.53% | 13.10% | 13.36% | 13.52% | 13.44% | +91 bps | |
| Equity / Assets | 9.88% | 9.86% | 9.76% | 9.53% | 10.23% | 10.64% | 10.59% | 10.73% | +120 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.99% | 99.32% | 94.96% | 99.46% | 102.59% | 95.96% | 99.13% | 102.47% | +301 bps | |
| Liquid Assets / Assets | 5.53% | 5.94% | 7.14% | 6.69% | 6.05% | 7.49% | 7.08% | 7.69% | +100 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 479% | 449% | 450% | n/a | n/a | |