| Metric | Mission Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +4.4% | -7.4 pts |
| Deposit growth (YoY) | -3.8% | +4.0% | -7.8 pts |
| Loan growth (YoY) | +0.1% | +5.6% | -5.5 pts |
| ROA | 0.54% | 1.24% | -0.7 pts |
| ROE | 7.9% | 11.9% | -4.0 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $185.1M | $171.0M | $70.3M | $13.0M | $501K | 0.54% | 3.26% | 0.00% |
| Q1 2026 | $182.2M | $168.4M | $69.7M | $12.7M | $276K | 0.60% | 3.21% | 0.09% |
| Q4 2025 | $185.8M | $171.5M | $68.2M | $12.4M | $700K | 0.37% | 3.24% | 0.09% |
| Q3 2025 | $192.8M | $179.0M | $70.3M | $11.9M | $365K | 0.26% | 3.22% | 0.00% |
| Q2 2025 | $190.9M | $177.8M | $70.2M | $11.3M | $186K | 0.20% | 3.16% | 0.00% |
| Q1 2025 | $194.3M | $181.3M | $75.4M | $11.1M | $87K | 0.18% | 3.07% | 0.00% |
| Q4 2024 | $183.6M | $170.9M | $74.6M | $10.7M | $522K | 0.28% | 3.19% | 0.00% |
| Q3 2024 | $186.3M | $174.2M | $73.4M | $10.8M | $349K | 0.25% | 3.17% | 0.00% |
Loan mix (Q2 2026): real estate $54.3M · commercial $16.6M · consumer $115K · securities $82.9M
| Ratio | Mission Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 1.24% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 11.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.5% | 62.9% | 85th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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.
Technology spend up 305% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Sep 15, 2026 | Acquirer | — | Merger | Completed | FDIC |
3 branches in 1 county across 1 state (+0 vs 2025) · $171.0M branch deposits. Biggest market: Mohave, AZ, ranked 9th with 3.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mohave, AZ | 3 | $171.0M | 3.15% | 9th |
Arizona: 64th with 0.06% · Lake Havasu City-Kingman metro: 9th, 3.15% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3