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

Mission Valley Bank

Sun Valley, California · $782M in assets · beside the 11 other California banks between $300M and $1B

The filing

102.5%
Loans / deposits
10th of 12
1.94%
NPA / loans
10th of 12
34.1%
CRE / loans
3rd of 12

Mission Valley Bank is the eighth largest of the 12 California banks nearest its size between $300M and $1B, with $782M in assets at 30 June 2026. Loans are 102.5% of deposits, 10th of 12 against a median of 91.1%, and equity is 10.7% of assets, 7th of 12. Loans grew +5.7% in the year, 6th of 12, and deposits grew 2.6%; the cohort's median loan growth is +5.2%.

Noncurrent loans are 1.94% of the book, 10th of 12 against a median of 0.25%; 1.51% is 30 to 89 days past due, and the allowance covers them 0.7 times. Net charge-offs are 0.34% of loans, 10th of 12. Commercial real estate is 34.1% of loans, 3rd of 12 against a median of 50.9%, and 225% of capital, below the 300% screen, with construction at 16% against the 100% screen.

Return on assets is 0.80%, 8th of 12 against a median of 0.92%, on an efficiency ratio of 71.9%, 9th of 11. Five years ago it was 1.27%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsCA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 91.1% RV River Valley Community Bank 57.5% BC Bac Community Bank 68.2% NB Nano Banc 69.8% PB Pinnacle Bank 71.1% CN C3bank National Association 72.0% GI GBC International Bank 90.5% EB Endeavor Bank 91.7% Bo Bank of San Francisco 93.9% PV Pacific Valley Bank 95.9% MV Mission Valley Bank 102.5% AP American Plus Bank N A 107.5% FC First Commercial Bank USA 113.2%
Loans, year over yearCA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.2% Bo Bank of San Francisco +26.3% RV River Valley Community Bank +12.3% PV Pacific Valley Bank +9.6% FC First Commercial Bank USA +6.4% EB Endeavor Bank +6.2% MV Mission Valley Bank +5.7% CN C3bank National Association +4.8% AP American Plus Bank N A +4.7% GI GBC International Bank +2.4% PB Pinnacle Bank +1.9% BC Bac Community Bank -0.7% NB Nano Banc -21.9%

SBA 7(a), FY2008 to FY2026

Mission Valley Bank is the 39th largest 7(a) lender into California of 512, with $374M across 315 loans, 0.6% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 52 of its 155 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
Los Angeles, CA$156M31st of 3080.8%+0.8 pts
San Bernardino, CA$35M28th of 2131.0%-1.1 pts
Riverside, CA$27M36th of 2190.8%+0.8 pts
Orange, CA$24M58th of 2560.3%-0.1 pts
San Diego, CA$23M45th of 2380.4%+0.8 pts
Maricopa, AZ$21M55th of 3030.3%+0.0 pts
Nueces, TX$20M2nd of 867.0%thin
Contra Costa, CA$14M28th of 1541.0%-0.9 pts
Santa Barbara, CA$12M11th of 1182.2%+3.0 pts
Dallas, TX$11M84th of 3140.2%+0.3 pts
Placer, CA$8M25th of 1221.0%-2.8 pts
Fresno, CA$8M35th of 1380.7%-2.0 pts
Nez Perce, ID$8M3rd of 2514.6%thin
142 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 services126$237M34.2%0.31%78th of 2,596
Other services58$89M12.8%0.25%76th of 2,248
Health care & social assistance50$75M10.8%0.16%94th of 2,172
Retail trade56$70M10.2%0.12%141st of 2,589
Wholesale trade25$36M5.2%0.14%130th of 1,651
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and Mission Valley 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 MV Mission Valley Bank 0.6% $374M · 315 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
Mission Valley BankRankCohort median
Total CRE against capital, the 300% screen225%3rd of 12271%
Construction against capital, the 100% screen16%6th of 1218%
Construction and land development, share of loans2.5%5th of 123.5%
Non-owner-occupied nonfarm nonresidential, share of loans28.1%4th of 1238.1%
Total CRE, the guidance definition, share of loans34.1%3rd of 1250.9%
CRE growth over 36 months, the third prong+21.0%7th of 12+16.9%

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
C3bank National Association$949M1.2%54.2%0.00%0.00%1.4%72.0%9.9%
Pinnacle Bank$937M0.6%76.4%2.30%2.08%1.3%71.1%11.7%
American Plus Bank N A$935M1.8%32.2%0.04%0.00%1.5%107.5%16.0%
Bank of San Francisco$864M0.9%64.1%0.09%0.00%1.2%93.9%10.1%
First Commercial Bank USA$850M1.1%55.4%1.05%0.00%1.5%113.2%23.0%
Endeavor Bank$823M1.0%60.4%0.45%-0.02%1.6%91.7%11.4%
River Valley Community Bank$793M0.6%69.4%0.00%0.04%1.2%57.5%7.6%
Mission Valley Bank$782M0.8%71.9%1.94%0.34%1.3%102.5%10.7%
Bac Community Bank$762M0.8%75.3%0.18%0.02%1.5%68.2%9.9%
Nano Banc$736M-0.6%no record25.73%3.32%4.2%69.8%5.3%
GBC International Bank$658M1.1%62.2%0.26%0.03%1.1%90.5%16.2%
Pacific Valley Bank$653M0.9%67.8%0.24%-0.02%1.5%95.9%12.1%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Mission Valley BankCohort median
20212026Change20212026Change
Loans$286M$631M+120%$468M$589M+26%
Deposits$367M$615M+68%$557M$695M+25%
NPA / loans0.07%1.94%+1.87 pts0.08%0.25%+0.17 pts
Efficiency66.2%71.9%+5.7 pts59.0%64.1%+5.1 pts
ROA1.27%0.80%-0.47 pts1.06%0.92%-0.14 pts

This read was prepared for Mission Valley 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 Valley 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 $300M to $1B
Institution www.missionvalleybank.com

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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