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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

Mission Bank

Bakersfield, California · $2.01B in assets · beside the 11 other California banks between $1B and $3B

The filing

45.1%
Efficiency
2nd of 12
68.6x
Coverage of noncurrent
2nd of 11
0.02%
NPA / loans
3rd of 12

Mission Bank is the sixth largest of the 12 California banks nearest its size between $1B and $3B, with $2.01B in assets at 30 June 2026. Loans are 86.6% of deposits, 6th of 12 against a median of 88.6%, and equity is 11.4% of assets, 7th of 12. Loans grew +12.9% in the year, 4th of 12, and deposits grew 8.4%; the cohort's median loan growth is +4.6%.

Noncurrent loans are 0.02% of the book, 3rd of 12 against a median of 0.44%; 0.17% is 30 to 89 days past due, and the allowance covers them 68.6 times. Net charge-offs are 0.32% of loans, 10th of 12. Commercial real estate is 41.7% of loans, 5th of 12 against a median of 46.1%, and 263% of capital, below the 300% screen, with construction at 45% against the 100% screen.

Return on assets is 1.63%, 3rd of 12 against a median of 1.11%, on an efficiency ratio of 45.1%, 2nd of 12. Five years ago it was 1.19%. The question is which of these lines moves first over the next four quarters, and against which peer.

The efficiency ratioCA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 60.1% MB Malaga Bank FSB 29.0% MB Mission Bank 45.1% PB Plumas Bank 51.3% CB Commonwealth Business Bank 56.7% ED El Dorado Savings Bank FSB 58.7% FN First Northern Bank of Dixon 59.8% UM U.S. Metro Bank 60.4% OV Oak Valley Community Bank 64.0% FB FFB Bank 64.9% BS Beneficial State Bank 76.1% MB Montecito Bank & Trust 81.2% UB United Business Bank 83.3%
Loans, year over yearCA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +4.6% PB Plumas Bank +48.5% BS Beneficial State Bank +15.7% FB FFB Bank +15.5% MB Mission Bank +12.9% UM U.S. Metro Bank +11.5% OV Oak Valley Community Bank +5.0% CB Commonwealth Business Bank +4.2% UB United Business Bank +3.7% MB Montecito Bank & Trust +3.7% MB Malaga Bank FSB +2.7% FN First Northern Bank of Dixon +2.6% ED El Dorado Savings Bank FSB -5.8%

SBA 7(a), FY2008 to FY2026

Mission Bank is the 90th largest 7(a) lender into California of 512, with $115M across 147 loans, 0.2% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 5 of its 21 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Kern, CA$40M7th of 1294.3%-0.8 pts
Ventura, CA$22M15th of 1591.7%+3.1 pts
Los Angeles, CA$9M134th of 3080.0%-0.0 pts
Tulare, CA$6M19th of 841.4%+4.8 pts
San Luis Obispo, CA$5M31st of 990.8%+1.6 pts
Stanislaus, CA$5M32nd of 1050.8%thin
Merced, CA$5M18th of 681.8%thin
Riverside, CA$4M92nd of 2190.1%quiet FY2020
Madera, CA$4M13th of 611.8%thin
Santa Barbara, CA$3M47th of 1180.6%quiet FY2021
Yavapai, AZ$3M29th of 890.8%thin
San Bernardino, CA$2M120th of 2130.1%quiet FY2020
Alameda, CA$2M99th of 1790.1%thin
8 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services29$22M18.6%0.03%367th of 2,596
Retail trade11$17M14.0%0.03%351st of 2,589
Other services12$13M11.3%0.04%307th of 2,248
Construction19$12M10.4%0.04%325th of 2,063
Health care & social assistance20$11M9.6%0.02%357th of 2,172
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and Mission Bank
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans MB Mission Bank 0.2% $115M · 147 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers, Mission Bank among them; owner-occupied excluded; bold marks a screen met
Mission BankRankCohort median
Total CRE against capital, the 300% screen263%7th of 12261%
Construction against capital, the 100% screen45%12th of 1214%
Construction and land development, share of loans7.1%12th of 122.3%
Non-owner-occupied nonfarm nonresidential, share of loans28.8%7th of 1228.4%
Total CRE, the guidance definition, share of loans41.7%5th of 1246.1%
CRE growth over 36 months, the third prong+44.9%11th of 12+20.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
United Business Bank$2.56B0.1%83.3%0.47%0.28%1.1%95.5%12.7%
El Dorado Savings Bank FSB$2.44B0.9%58.7%0.28%0.01%1.2%23.6%13.8%
Plumas Bank$2.28B1.8%51.3%1.55%0.06%1.3%80.1%12.4%
Beneficial State Bank$2.03B0.1%76.1%2.53%0.73%1.8%90.9%9.3%
Montecito Bank & Trust$2.02B0.6%81.2%0.17%0.02%1.0%80.2%9.3%
Mission Bank$2.01B1.6%45.1%0.02%0.32%1.4%86.6%11.4%
Oak Valley Community Bank$2.00B1.1%64.0%0.00%0.30%1.0%66.0%10.8%
Commonwealth Business Bank$1.97B1.1%56.7%1.88%0.00%1.1%91.6%14.0%
First Northern Bank of Dixon$1.93B1.1%59.8%0.41%0.12%1.3%65.4%11.2%
U.S. Metro Bank$1.64B1.0%60.4%1.54%0.37%1.3%95.4%9.8%
FFB Bank$1.62B1.3%64.9%3.54%0.31%1.4%90.6%11.5%
Malaga Bank FSB$1.45B1.7%29.0%0.00%0.00%0.3%131.8%16.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Mission BankCohort median
20212026Change20212026Change
Loans$896M$1.53B+71%$917M$1.38B+50%
Deposits$1.28B$1.77B+38%$1.33B$1.72B+29%
NPA / loans0.05%0.02%-0.03 pts0.30%0.44%+0.14 pts
Efficiency50.1%45.1%-5.0 pts54.1%60.1%+6.0 pts
ROA1.19%1.63%+0.43 pts1.11%1.11%-0.00 pts

This read was prepared for Mission Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Mission Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks $1B to $3B
Institution www.missionbank.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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