| Metric | Mission Valley Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +4.9% | +0.7 pts |
| Deposit growth (YoY) | +2.6% | +4.3% | -1.7 pts |
| Loan growth (YoY) | +5.8% | +5.3% | +0.5 pts |
| ROA | 0.82% | 1.28% | -0.5 pts |
| ROE | 7.7% | 12.4% | -4.8 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $782.0M | $615.3M | $622.3M | $83.9M | $3.2M | 0.82% | 4.36% | 1.60% |
| Q1 2026 | $772.6M | $632.1M | $617.6M | $81.8M | $1.0M | 0.55% | 4.15% | 2.13% |
| Q4 2025 | $759.5M | $635.7M | $601.9M | $80.8M | $9.0M | 1.25% | 4.68% | 1.21% |
| Q3 2025 | $714.6M | $564.5M | $570.6M | $73.1M | $5.5M | 1.03% | 4.76% | 1.25% |
| Q2 2025 | $740.5M | $599.6M | $588.1M | $70.6M | $3.4M | 0.95% | 4.73% | 1.71% |
| Q1 2025 | $706.1M | $592.4M | $554.2M | $68.9M | $1.8M | 1.06% | 4.94% | 1.78% |
| Q4 2024 | $676.8M | $551.5M | $539.7M | $66.7M | $7.1M | 1.07% | 4.54% | 0.78% |
| Q3 2024 | $667.7M | $547.8M | $529.5M | $66.0M | $5.7M | 1.16% | 4.49% | 0.21% |
Loan mix (Q2 2026): real estate $389.1M · commercial $240.9M · consumer $522K · securities $42.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Mission Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 1.28% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 12.4% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.36% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.9% | 61.2% | 79th |
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 Valley 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 Valley 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 Valley 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 Valley 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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