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Mission Bank

Community Specialty: Commercial CA FDIC cert 34805

Bakersfield, CA

1484 banks in Community tier nationally 59 in CA
View Community leaderboard (CA) →

Mission Bank has 1 strength but faces 3 concerns

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 39% in Community

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 21% in Community
  • - Capital Thin: Bottom 24% in Community
  • - Margin Compression: Bottom 32% in Community

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $1.9B
+1.6% YoY -3.4% QoQ
+$492.6M $1.4B
+2.0% YoY
$4.7B
+7.1% YoY
$5.9B
+6.5% YoY
77%
Total Loans ? $1.4B
+13.2% YoY +3.1% QoQ
+$463.2M $975.5M
+2.4% YoY
$3.2B
+8.7% YoY
$3.1B
+8.5% YoY
80%
Total Deposits ? $1.7B
+0.4% YoY -4.2% QoQ
+$493.3M $1.2B
+1.7% YoY
$3.9B
+6.8% YoY
$4.7B
+6.3% YoY
79%
Return on Assets ? 1.46%
-14.1% YoY +6.7% QoQ
+0.30% 1.16%
+17.2% YoY
0.96%
+10.8% YoY
1.12%
+15.6% YoY
71%
Net Interest Margin ? 4.32%
-2.6% YoY +1.9% QoQ
+0.65% 3.66%
+9.1% YoY
3.80%
+7.5% YoY
3.75%
+7.1% YoY
81%
Efficiency Ratio ? 50.25%
+10.4% YoY -5.7% QoQ
-12.38% 62.63%
-5.3% YoY
61.43%
-2.7% YoY
65.09%
-5.1% YoY
83%
Delinquency Rate ? 0.18%
+118.3% YoY +255.1% QoQ
-0.45% 0.63%
+18.3% YoY
0.69%
+31.8% YoY
0.66%
+20.3% YoY
72%
Loan-to-Deposit Ratio ? 86.78%
+12.7% YoY +7.6% QoQ
+3.71% 83.06%
+0.3% YoY
85.48%
+0.3% YoY
78.04%
+0.7% YoY
44%
Non-Interest-Bearing Deposit Share ? 40.07%
+2.1% YoY +3.0% QoQ
+19.03% 21.05%
-0.9% YoY
25.54%
-3.2% YoY
21.79%
-1.3% YoY
Top 4% in tier
Nonperforming Asset Ratio ? 0.14%
+143.2% YoY +278.8% QoQ
-0.36% 0.50%
+20.3% YoY
0.51%
+32.9% YoY
0.48%
+20.8% YoY
72%
Tier 1 Capital Ratio ? 0.00% -10.24% 10.24%
-0.6% YoY
11.83%
-4.8% YoY
9.75%
-1.9% YoY
29%
Non-Interest Income / Assets ? 0.34%
-9.0% YoY +33.6% QoQ
-0.40% 0.74%
-1.3% YoY
0.50%
+8.5% YoY
0.65%
+0.6% YoY
28%

Signature Analysis

Strengths (1)

Deposit Franchise

growth
#59 of 150 · Top 39% in Community

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 40.07%
(Tier: 21.05%, National: 21.79%)
better than tier avg
Net Interest Margin: 4.32%
(Tier: 3.66%, National: 3.75%)
better than tier avg
150 of 150 Community banks match · 176 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Concerns (3)

Credit Quality Pressure

risk
#167 of 808 · Bottom 21% in Community

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.18%
(Tier: 0.63%, National: 0.66%)
better than tier avg
808 of 808 Community banks match · 961 nationally
→ Stable +22 banks QoQ | QoQ rank declining

Capital Thin

risk
#104 of 432 · Bottom 24% in Community

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Risk-Based Capital Ratio: 0.00%
(Tier: 10.24%, National: 9.75%)
worse than tier avg
432 of 432 Community banks match · 505 nationally
→ Stable +11 banks QoQ | QoQ rank improving

Margin Compression

decline
#39 of 120 · Bottom 32% in Community

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.46%
(Tier: 1.16%, National: 1.12%)
better than tier avg
120 of 120 Community banks match · 147 nationally
→ Stable -9 banks QoQ | QoQ rank improving

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%

Comparing against 1484 peers in Community tier

Top Strengths

96
Non-Interest-Bearing Deposit Share
Current: 40.07% · Tier avg: 21.05%
96th pctile
83
Efficiency Ratio
Current: 50.25% · Tier avg: 62.63%
83th pctile
81
Net Interest Margin
Current: 4.32% · Tier avg: 3.66%
81th pctile
80
Total Loans
Current: $1.4B · Tier avg: $975.5M
80th pctile
79
Total Deposits
Current: $1.7B · Tier avg: $1.2B
79th pctile
77
Total Assets
Current: $1.9B · Tier avg: $1.4B
77th pctile
72
Delinquency Rate
Current: 0.18% · Tier avg: 0.63%
72th pctile
72
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
72th pctile
71
Return on Assets
Current: 1.46% · Tier avg: 1.16%
71th pctile
44
Loan-to-Deposit Ratio
Current: 86.78% · Tier avg: 83.06%
44th pctile
29
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29th pctile
28
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
28th pctile

Top Weaknesses

28
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
28th pctile
29
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29th pctile
44
Loan-to-Deposit Ratio
Current: 86.78% · Tier avg: 83.06%
44th pctile
71
Return on Assets
Current: 1.46% · Tier avg: 1.16%
71th pctile
72
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
72th pctile
72
Delinquency Rate
Current: 0.18% · Tier avg: 0.63%
72th pctile
77
Total Assets
Current: $1.9B · Tier avg: $1.4B
77th pctile
79
Total Deposits
Current: $1.7B · Tier avg: $1.2B
79th pctile
80
Total Loans
Current: $1.4B · Tier avg: $975.5M
80th pctile
81
Net Interest Margin
Current: 4.32% · Tier avg: 3.66%
81th pctile
83
Efficiency Ratio
Current: 50.25% · Tier avg: 62.63%
83th pctile
96
Non-Interest-Bearing Deposit Share
Current: 40.07% · Tier avg: 21.05%
96th pctile
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