BlastPoint's Banking Scorecard
Mission National Bank
Micro
Specialty: Commercial
CA
FDIC cert 23749
Designations: ✓ Community bank
San Francisco, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
Mission National Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 27.69% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 13.43% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$236.7M
+8.1% YoY
-1.7% QoQ
|
+$19.2M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$196.6M
+13.6% YoY
-0.7% QoQ
|
+$57.5M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$192.4M
+9.1% YoY
-3.8% QoQ
|
+$8.7M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
57% |
| Return on Assets ? |
0.22%
+186.2% YoY
-16.8% QoQ
|
-0.87% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
2.78%
-8.2% YoY
+1.6% QoQ
|
-1.07% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
86.83%
-21.7% YoY
+5.7% QoQ
|
+19.11% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
102.22%
+4.1% YoY
+3.2% QoQ
|
+27.69% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.96%
-36.0% YoY
-18.0% QoQ
|
-13.43% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.23%
+12.0% YoY
+10.9% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
29% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
102.22%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 10%
in Micro
Why this stands out
Current:
8.96%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
93
93th pctile
Loan-to-Deposit Ratio
Current: 102.22% · Tier avg: 74.53%
73
73th pctile
Total Loans
Current: $196.6M · Tier avg: $139.2M
59
59th pctile
Total Assets
Current: $236.7M · Tier avg: $217.5M
57
57th pctile
Total Deposits
Current: $192.4M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
29
29th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
12
12th pctile
Efficiency Ratio
Current: 86.83% · Tier avg: 67.73%
10
10th pctile
Net Interest Margin
Current: 2.78% · Tier avg: 3.85%
10
10th pctile
Return on Assets
Current: 0.22% · Tier avg: 1.08%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 8.96% · Tier avg: 22.39%
Top Weaknesses
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 8.96% · Tier avg: 22.39%
10
10th pctile
Return on Assets
Current: 0.22% · Tier avg: 1.08%
10
10th pctile
Net Interest Margin
Current: 2.78% · Tier avg: 3.85%
12
12th pctile
Efficiency Ratio
Current: 86.83% · Tier avg: 67.73%
29
29th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Total Deposits
Current: $192.4M · Tier avg: $183.7M
59
59th pctile
Total Assets
Current: $236.7M · Tier avg: $217.5M
73
73th pctile
Total Loans
Current: $196.6M · Tier avg: $139.2M
93
93th pctile
Loan-to-Deposit Ratio
Current: 102.22% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%