Mission Bank
Total assets
$185.1M
▼ -3.1% YoY
Deposits
$171.0M
▼ -3.8% YoY
Loans
$70.3M
▲ +0.1% YoY
Offices
3
COMMUNITY BANCSHARES INC
ROA (annualized)
0.54%
peers 1.24%
ROE (annualized)
7.88%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| 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
Profile
- Established
- 2001
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- COMMUNITY BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 2439 Hualapai Mountain Rd, Kingman, AZ, 86401
- County
- Mohave
- Metro area
- Lake Havasu City-Kingman, AZ
- Offices
- 3
- FDIC cert #
- 57137
- RSSD ID
- 2963275
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| 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 pack Q2 2026 · peer medians from 1900 institutions
Profitability
| 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% | 18th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| Ratio | Mission Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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