| Metric | Mission Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +5.5% | +3.5 pts |
| Deposit growth (YoY) | +8.4% | +5.1% | +3.3 pts |
| Loan growth (YoY) | +13.0% | +5.9% | +7.1 pts |
| ROA | 1.67% | 1.26% | +0.4 pts |
| ROE | 14.7% | 12.2% | +2.5 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.01B | $1.77B | $1.51B | $228.6M | $16.2M | 1.67% | 4.44% | 0.02% |
| Q1 2026 | $1.92B | $1.68B | $1.47B | $220.0M | $7.8M | 1.63% | 4.44% | 0.01% |
| Q4 2025 | $1.88B | $1.66B | $1.44B | $211.4M | $27.4M | 1.46% | 4.32% | 0.14% |
| Q3 2025 | $1.95B | $1.73B | $1.40B | $205.3M | $19.3M | 1.37% | 4.24% | 0.04% |
| Q2 2025 | $1.85B | $1.63B | $1.34B | $195.9M | $10.5M | 1.14% | 4.15% | 0.09% |
| Q1 2025 | $1.87B | $1.65B | $1.28B | $196.9M | $7.3M | 1.56% | 4.09% | 0.05% |
| Q4 2024 | $1.85B | $1.65B | $1.27B | $188.6M | $29.3M | 1.70% | 4.43% | 0.06% |
| Q3 2024 | $1.81B | $1.61B | $1.23B | $187.0M | $21.7M | 1.71% | 4.53% | 0.02% |
Loan mix (Q2 2026): real estate $1.29B · commercial $163.0M · consumer $24K · securities $232.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Mission Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 1.26% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 12.2% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.1% | 59.0% | 12th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Mission Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Mission Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Mission Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Mission Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.