BlastPoint's Banking Scorecard
Mission Valley Bank
Community
Specialty: Commercial
CA
FDIC cert 57101
Sun Valley, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Mission Valley Bank shows strong momentum with 2 strengths and 12.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 44% in Community
- + Deposit Franchise: Top 53% in Community
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$759.5M
+12.2% YoY
+6.3% QoQ
|
-$632.0M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$601.9M
+11.5% YoY
+5.5% QoQ
|
-$373.5M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$635.7M
+15.3% YoY
+12.6% QoQ
|
-$528.9M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
1.25%
+16.3% YoY
+21.4% QoQ
|
+0.08% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
60% |
| Net Interest Margin ? |
4.68%
+3.1% YoY
-1.7% QoQ
|
+1.01% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
68.55%
+1.6% YoY
-5.1% QoQ
|
+5.91% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? |
1.53%
+55.9% YoY
-2.5% QoQ
|
+0.90% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
94.69%
-3.2% YoY
-6.3% QoQ
|
+11.62% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
31.78%
-9.7% YoY
-12.6% QoQ
|
+10.73% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
1.21%
+54.9% YoY
-3.3% QoQ
|
+0.71% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
15% |
| Tier 1 Capital Ratio ? |
12.15%
+8.1% YoY
+2.6% QoQ
|
+1.91% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
49% |
| Non-Interest Income / Assets ? |
1.22%
+9.2% YoY
+59.9% QoQ
|
+0.48% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#165 of 371 · Top 44% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.22%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.25%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Deposit Franchise
growth
#80 of 150 · Top 53% 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:
31.78%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.68%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank declining
Concerns (0)
No concerns identified
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
91
91th pctile
Net Interest Margin
Current: 4.68% · Tier avg: 3.66%
90
90th pctile
Non-Interest Income / Assets
Current: 1.22% · Tier avg: 0.74%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.78% · Tier avg: 21.05%
60
60th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.16%
49
49th pctile
Tier 1 Capital Ratio
Current: 12.15% · Tier avg: 10.24%
41
41th pctile
Total Loans
Current: $601.9M · Tier avg: $975.5M
32
32th pctile
Total Assets
Current: $759.5M · Tier avg: $1.4B
32
32th pctile
Total Deposits
Current: $635.7M · Tier avg: $1.2B
30
30th pctile
Efficiency Ratio
Current: 68.55% · Tier avg: 62.63%
23
23th pctile
Loan-to-Deposit Ratio
Current: 94.69% · Tier avg: 83.06%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.21% · Tier avg: 0.50%
15
15th pctile
Delinquency Rate
Current: 1.53% · Tier avg: 0.63%
Top Weaknesses
15
15th pctile
Delinquency Rate
Current: 1.53% · Tier avg: 0.63%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.21% · Tier avg: 0.50%
23
23th pctile
Loan-to-Deposit Ratio
Current: 94.69% · Tier avg: 83.06%
30
30th pctile
Efficiency Ratio
Current: 68.55% · Tier avg: 62.63%
32
32th pctile
Total Deposits
Current: $635.7M · Tier avg: $1.2B
32
32th pctile
Total Assets
Current: $759.5M · Tier avg: $1.4B
41
41th pctile
Total Loans
Current: $601.9M · Tier avg: $975.5M
49
49th pctile
Tier 1 Capital Ratio
Current: 12.15% · Tier avg: 10.24%
60
60th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.16%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.78% · Tier avg: 21.05%
90
90th pctile
Non-Interest Income / Assets
Current: 1.22% · Tier avg: 0.74%
91
91th pctile
Net Interest Margin
Current: 4.68% · Tier avg: 3.66%