# MISSION BANK
MISSION, KS · FDIC certificate 23173 · asset band $300M-1B · latest filing 2016-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $504.0M | |
| Deposits | $379.9M | |
| Loans and leases | $277.7M | |
| Total equity | $96.0M | |
| Loans / deposits | 71.72% (p26 of band) | 83.90% |
| Liquid assets / assets | 41.82% (p85 of band) | |
| Uninsured deposits / deposits | 23.00% (p58 of band) | 21.07% |
| Brokered deposits | 0.04% | |
| Wholesale funding | 5.30% (p46 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.89% (p96 of band) | 10.15% |
| Unrealized securities loss / equity | -0.77% (p54 of band) | -0.98% |
| AOCI / equity | -1.85% (p35 of band) | |
| ROA (annualized) | 0.95% (p51 of band) | 0.94% |
| Net interest margin | 3.01% (p14 of band) | 3.62% |
| Efficiency ratio | 57.36% (p20 of band) | |
| Noncurrent loans | 0.19% (p19 of band) | 0.61% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 993.76% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 48.41% (p58 of band) | |
| Auto loans | $73,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 3.4% | |
| Employees | 80 | |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | charge-offs p90, uninsured deposits leaving |  |
| 2012-06 | 2 |  | charge-offs p90 |
| 2012-09 | 0 |  | wholesale funding >15%, uninsured deposits leaving |
| 2012-12 | 1 | wholesale funding >15% |  |
| 2013-03 | 0 |  | wholesale funding >15% |
| 2013-06 | 1 | wholesale funding >15% |  |
| 2013-09 | 2 | charge-offs p90 |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 0 |  | wholesale funding >15%, charge-offs p90 |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 2 | wholesale funding >15%, charge-offs p90 |  |
| 2015-03 | 2 | deposits shrinking | charge-offs p90 |
| 2015-06 | 0 |  | wholesale funding >15%, deposits shrinking |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | assets shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-11 [Mission Bank Opens New Business Banking Center in Westlake Village, California - Yahoo Finance](https://news.google.com/rss/articles/CBMiogFBVV95cUxOZ2kzTG4wVzR4dVhGT3BDSWtHdHhTNHdoV3Y2aklZNWYwVlRmOG9YbHFTWTFOQ01fUlY2N0NSeVFmVExDM2kzalU2dXV2dnJSYllpejZxWGxnamdUbGZKVDZtd0hDc0g5WjZHYU5GZU9xNldtWlBWa094a3h3bE1OQ3JKSG5jMG05SEN6eGZBdHVUWUM5YW1kSEtNV3lDM2VuRXc?oc=5) · Yahoo Finance
- 2022-03-23 [Mission Bank expands into Visalia - bakersfield.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxNWlB3UTFEWTVPNVZaYk1FUWhCcTFLSG9nODdoT3Z4T2k0MTVscXNhT2piRWhDUWlCWWxlcWpyNkt3RERfaExzZUdGYXpkQi13X2V3dzJ3WW9HM3VWRGt3WWJ0a2hyZFBOLXpHZDVxelFkN1B3d2VJNTlFaFAxMUhGTFhfVXhYeUxKTFdvZm5sRm9tTFRpTWY0VzBQSC03bGdxWUNFRHp6emR4UDB6d2NURTlLd2Uyb0E?oc=5) · bakersfield.com
- 2020-08-26 [Truck driver killed in Mission crash into bank parking lot - KSHB 41 Kansas City](https://news.google.com/rss/articles/CBMimwFBVV95cUxQMDN2NmxwbW9mZFhTWE0zN3FZMGljaW92U1ZxU2tlVDItbHdEVjZEZUZHRVEycFZDSnFSLTRKMVZhai1rYk9KOFZFVGpjaFFnYmFsVXJOTEhMS2hzT25nQnlKWjN0emk2M2N5b0p2a2wzNEpPcjRHa0NJWktmb3hXd0FlQk13LVRwTVVoTExXUmwzVGdZM0RCcWs2bw?oc=5) · KSHB 41 Kansas City
- 2018-07-05 [Wilbur Hook Obituary Jul 5, 2018 - The Amos Family Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiXkFVX3lxTE9Bc0tSSF9SMW5ZS2gyRWNmOUkxeFFyaHVieTRoYjc2eGktTHE5dXM0bTZOT3RvcWQ5NFpTcnp3QXQ2YmVLeWRESGV0dndOakU4NWNaRmpvcU9SR0FTbEE?oc=5) · The Amos Family Funeral Home & Crematory
- 2011-08-12 [Valley View State Bank blends regional reach with community feel - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPVXdyM0RVd3VfT2drNnRjaGlwYk5hMUFnTVRmaTV3SWhNVVJZRzVxUVVOZlFVRFI1V2V3S1U0S1BUaS00dWV0MVpaLTlaeFhqaTYxUnNvblZoeWFWYk5penRKSl9Ja2FIelVDMnVXUDY4RkVIOUNfRnNMRTZSOFRiMDJxZTM3eXJ6eGN5Z0hFa3RkSnJHS1NZUzhFZFFJV1ZlcmF0R1U1RXVwOUE?oc=5) · The Business Journals
- 2025-05-08 [Norma Castellaneta Obituary (1936 - 2025) - Mission, KS - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxNZUpUUmJfMG1NQ0FXSkhuOVkySWdUYnJJTzlCdEJxU1duMkR3aHJNQklmaEF4ODFfamFETU55djMzRW9Zd19aZzVwRXc3UHNIM0s2N0dJSk5oVzdZZW9DMzkyM3Y3bkZpRUdYOHdobUpiVGZ4Mm5OLWxxdFRFWi0weDBsQXRLM3BUS1djQXl1eS1UQ1BWbnZV?oc=5) · legacy.com
- 2024-03-05 [Harley Spencer Obituary - Overland Park, KS - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxQemNiN3Y2SmRUbVZQdXF4cHVoSFM0MlMyU3FZR2U3RDhyVmZGWVl2SkVkTHZDQWk1UkFEcnFRTU14SHJwRG5tMEdhXzJCSTI4Vy0yM0Y5RFFBeTgtQkNHelFYZW0ySWpvTERCcHpKM05JQ2E5enMyX3I2cmg5TGxIU1pTMVJsd2RXV3c?oc=5) · Dignity Memorial
- 2024-06-13 [Bill Moffett Obituary Dec 26, 2022 - The Amos Family Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1DcG56YWh5dnNtQnczWFFuVTFpcEJCcGEwODBUeU1La21YclFPQkRycFlCTTB2cGJ0UlRtZjJGVHcxYUZGUEZGZFBqVHZIVVRPVXdWaVdQWVdTQWlmb0hZ?oc=5) · The Amos Family Funeral Home & Crematory

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23173 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/5.json (key "23173", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide