BlastPoint's Banking Scorecard
Mission Bank
Micro
Specialty: Commercial
AZ
FDIC cert 57137
Designations: ✓ Community bank
Kingman, AZ
2498
banks in Micro tier nationally
7 in AZ
View Micro leaderboard (AZ) →
Mission Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 34.75% below tier
- + Non-Interest-Bearing Deposit Share 22.34% above tier
- + Nonperforming Asset Ratio 0.45% below tier
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 (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$185.8M
+1.2% YoY
-3.6% QoQ
|
-$31.7M |
$217.5M
+2.3% YoY
|
$17.0B
+5.7% YoY
|
$5.9B
+6.5% YoY
|
47% |
| Total Loans ? |
$68.2M
-8.6% YoY
-2.9% QoQ
|
-$71.0M |
$139.2M
+2.8% YoY
|
$9.0B
+5.8% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$171.5M
+0.3% YoY
-4.2% QoQ
|
-$12.1M |
$183.7M
+1.8% YoY
|
$14.5B
+5.2% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
0.37%
+33.0% YoY
+44.5% QoQ
|
-0.71% |
1.08%
+14.7% YoY
|
0.25%
+127.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
3.24%
+1.5% YoY
+0.6% QoQ
|
-0.62% |
3.85%
+6.6% YoY
|
4.02%
+5.8% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
85.36%
-2.8% YoY
-5.0% QoQ
|
+17.64% |
67.73%
-4.8% YoY
|
85.64%
-13.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
1.24%
+35.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
39.78%
-8.9% YoY
+1.3% QoQ
|
-34.75% |
74.53%
+0.5% YoY
|
82.13%
-1.4% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
44.73%
+11.4% YoY
+0.8% QoQ
|
+22.34% |
22.39%
-1.3% YoY
|
23.21%
-3.7% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.90%
+22.8% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
19.00%
+13.7% YoY
+7.1% QoQ
|
+10.15% |
8.85%
-3.4% YoY
|
11.10%
+38.8% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.35%
+11.3% YoY
+43.7% QoQ
|
-0.21% |
0.56%
+0.3% YoY
|
0.77%
+36.7% YoY
|
0.65%
+0.6% YoY
|
49% |
Signature Analysis
Strengths (4)
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 6%
in Micro
Why this stands out
Current:
39.78%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Micro
Why this stands out
Current:
44.73%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
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%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 44.73% · Tier avg: 22.39%
94
94th pctile
Loan-to-Deposit Ratio
Current: 39.78% · Tier avg: 74.53%
84
84th pctile
Tier 1 Capital Ratio
Current: 19.00% · Tier avg: 8.85%
52
52th pctile
Total Deposits
Current: $171.5M · Tier avg: $183.7M
49
49th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
47
47th pctile
Total Assets
Current: $185.8M · Tier avg: $217.5M
28
28th pctile
Total Loans
Current: $68.2M · Tier avg: $139.2M
23
23th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.85%
14
14th pctile
Return on Assets
Current: 0.37% · Tier avg: 1.08%
13
13th pctile
Efficiency Ratio
Current: 85.36% · Tier avg: 67.73%
Top Weaknesses
13
13th pctile
Efficiency Ratio
Current: 85.36% · Tier avg: 67.73%
14
14th pctile
Return on Assets
Current: 0.37% · Tier avg: 1.08%
23
23th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.85%
28
28th pctile
Total Loans
Current: $68.2M · Tier avg: $139.2M
47
47th pctile
Total Assets
Current: $185.8M · Tier avg: $217.5M
49
49th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
52
52th pctile
Total Deposits
Current: $171.5M · Tier avg: $183.7M
84
84th pctile
Tier 1 Capital Ratio
Current: 19.00% · Tier avg: 8.85%
94
94th pctile
Loan-to-Deposit Ratio
Current: 39.78% · Tier avg: 74.53%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 44.73% · Tier avg: 22.39%
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%