| Metric | Mission National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.6% | +4.4% | +9.2 pts |
| Deposit growth (YoY) | +21.9% | +4.0% | +18.0 pts |
| Loan growth (YoY) | +12.7% | +5.6% | +7.2 pts |
| ROA | -0.05% | 1.24% | -1.3 pts |
| ROE | -0.3% | 11.9% | -12.2 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $276.4M | $237.1M | $232.1M | $35.6M | $-58K | -0.05% | 2.81% | 0.00% |
| Q1 2026 | $249.2M | $206.6M | $200.3M | $36.0M | $62K | 0.10% | 2.85% | 0.00% |
| Q4 2025 | $236.7M | $192.4M | $196.6M | $37.2M | $520K | 0.22% | 2.78% | 0.00% |
| Q3 2025 | $240.8M | $199.9M | $198.0M | $37.6M | $469K | 0.26% | 2.74% | 0.00% |
| Q2 2025 | $243.3M | $194.4M | $205.9M | $37.3M | $147K | 0.12% | 2.64% | 0.00% |
| Q1 2025 | $246.3M | $189.1M | $203.9M | $36.7M | $-380K | -0.65% | 2.38% | 0.62% |
| Q4 2024 | $219.0M | $176.2M | $173.1M | $37.1M | $-541K | -0.25% | 3.03% | 0.00% |
| Q3 2024 | $215.2M | $166.0M | $166.1M | $37.4M | $-293K | -0.19% | 3.18% | 0.00% |
Loan mix (Q2 2026): real estate $226.6M · commercial $7.0M · consumer $66K · securities $0
| Ratio | Mission National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.05% | 1.24% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -0.3% | 11.9% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.81% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.9% | 62.9% | 96th |
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 National 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 National 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 National 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 National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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