# MISSION NATIONAL BANK
SAN FRANCISCO, CA · FDIC certificate 23749 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $276.4M | |
| Deposits | $237.1M | |
| Loans and leases | $234.9M | |
| Total equity | $35.6M | |
| Loans / deposits | 97.91% (p89 of band) | 73.59% |
| Liquid assets / assets | 12.82% (p8 of band) | |
| Uninsured deposits / deposits | 17.01% (p39 of band) | 19.81% |
| Brokered deposits | 30.14% | |
| Wholesale funding | 30.14% (p99 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.94% (p70 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | -0.05% (p6 of band) | 1.17% |
| Net interest margin | 2.81% (p8 of band) | 3.93% |
| Efficiency ratio | 93.92% (p92 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 96% | |
| Construction % of loans | 6.08% (p31 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 21.9% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 4 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 2 |  | reserve under noncurrent, charge-offs p90 |
| 2013-03 | 2 |  |  |
| 2013-06 | 0 |  | deposits shrinking, assets shrinking |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 1 | deposits shrinking |  |
| 2015-09 | 1 | assets shrinking | deposits shrinking |
| 2015-12 | 1 | loans exceed deposits | assets shrinking |
| 2016-03 | 3 | wholesale funding >15%, capital falling |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | wholesale funding >15% |
| 2017-06 | 2 | wholesale funding >15% | capital falling |
| 2017-09 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 3 | deposits shrinking, assets shrinking |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | charge-offs p90 |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 0 |  | deposits shrinking, assets shrinking |
| 2020-03 | 2 | deposits shrinking, assets shrinking |  |
| 2020-06 | 1 | expense ratio p90 | deposits shrinking, assets shrinking |
| 2020-09 | 3 | losing money, deposits shrinking |  |
| 2020-12 | 4 | assets shrinking |  |
| 2021-03 | 3 |  | assets shrinking |
| 2021-06 | 4 | assets shrinking |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 1 |  | losing money, deposits shrinking, assets shrinking |
| 2022-03 | 2 | losing money |  |
| 2022-06 | 4 | deposits shrinking, assets shrinking |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 6 | loans exceed deposits, uninsured deposits leaving |  |
| 2023-03 | 5 |  | loans exceed deposits |
| 2023-06 | 6 | loans exceed deposits |  |
| 2023-09 | 2 |  | expense ratio p90, losing money, assets shrinking, loans exceed deposits |
| 2023-12 | 2 | brokered >10%, wholesale funding >15% | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 4 | capital falling, losing money, expense ratio p90 | wholesale funding >15% |
| 2024-06 | 4 |  |  |
| 2024-09 | 6 | loans exceed deposits, wholesale funding >15% |  |
| 2024-12 | 5 | uninsured deposits leaving | capital falling, loans exceed deposits |
| 2025-03 | 7 | loans exceed deposits, NIM <2.5% |  |
| 2025-06 | 5 | capital falling | losing money, expense ratio p90, NIM <2.5% |
| 2025-09 | 4 |  | loans exceed deposits |
| 2025-12 | 3 | loans exceed deposits | uninsured deposits leaving, capital falling |
| 2026-03 | 3 | expense ratio p90 | loans exceed deposits |
| 2026-06 | 5 | capital falling, losing money |  |

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

- 2021-07-09 [MNB Holdings Corporation (OTCQB: MNBO), Holding Company of Mission National Bank, San Francisco, CA Announces Appointment of Directors, President, and Chief Lending Officer - Business Wire](https://news.google.com/rss/articles/CBMiwwJBVV95cUxPMnlwRDFDOEhlaWZPcjd6djgyUjhnV09Jb3ZiWEdoT0JkdDg5Z0xVMmRjSVp2VFNfVUgxblBpajhKQndVak1yWG9yYWZsS2tnaWhlQlRoZXNRZzd5czZ5UUVMS1lFekFyRzB1d2NleVNJUEFXTWNCMUR4TFp1N0lmWWxERnpiRVZsc1pSNzJEYVdxR3JkdHlvN2pEeDJETEFZR3lNdTlxb0JBclRrTTRja3ZwQnVPb3hRZ0RjQV9reDlVTGlFMGlSZFR6WURuRlhuOTd2R2NyZWJjU2htQ3VyVzJLMTRWZEZaa1hoa09ISm9wWnY5MG4wWGY2a2tMVUd0RDVSVkdYcFIyVEM0WlVFODd4VmJrc005M183VUtrWVJ5OXBkNFlNY0dQbkxpU1dwcVF0TnV2ZVRjOHZLeEhRRXhCSQ?oc=5) · Business Wire
- 2022-08-31 [Enforcement Spotlight: With AML fine against CEO, OCC completes rare C-suite Sweep at Rabobank with prior penalties against CCO, general counsel - Association of Certified Financial Crime Specialists](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQQU10SVhWVGF0endYQXEzMHVZbFc4SlZTSU1XTzB2cDJIcFBNSGJjNEFkVXNEb05DRXotb1RKUHJqSjJqdl95ZDRwWVpOcXp0eEo2bnNhcDdBekw0QU1sS3ZRUzdCVFlaZU1BLWJwWVhDYlBUUUJNbFVzWm4tOS1XOXhkWHRFQWd2ejg1U2ZwRGNuYXdvQUwwM2dRLXVyTTVlc1diY0FjUGZhOFpJTm1CcWR5by1OQi0tZ25oLWVrRXdReWJHUHp5TE13MzJoX3J5bGQ4dXRNUU5SeGdRU1NJck1BeWlsU2NnRE5fUzJ1bE4?oc=5) · Association of Certified Financial Crime Specialists
- 2013-08-14 [Filipino majority-owned bank among best industry performers in US - Inquirer.net](https://news.google.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?oc=5) · Inquirer.net
- 2011-04-18 [Circle Bank Names Juanna Collin as Senior VP/Operations - Patch](https://news.google.com/rss/articles/CBMimgFBVV95cUxNQWh1VC1GaGlvUEluLTJvemNRZTlVZm5pUGMtMVVucExPOFh0NkJfd2pVZFYtdXlJWFRGc3duLXdwejVldlVXOU1hRVF6ZHdHYVk3Q1lRV3dHQk5PRFZ3ZjRkclhjc3l4M2ZBeVc0TTFMR3lQeUtzSFhrUW5GYW9MTThWRUJ3OURLUzR1MG9tWlRIZExpblYxRFJn?oc=5) · Patch
- 2023-04-11 [Oakland-based parent of Community Bank of the Bay names president after big capital raise - The Business Journals](https://news.google.com/rss/articles/CBMisAFBVV95cUxNaG9iTXVIb2JwMHNIS1d4eTNhejlGOTNEU21TX3dGRG0yTWhudmZOaC1Jd3VhZFVlZjBtWGdYMTNkZUFsSjVITXdQcFpDTkxhNmJWVWlDWnlieHlQdnhpMlBNa19rSHFVNkdLUUhvRzcyQ0M3Qm96NlhCNUNwX3lmaVEzS3V1R3NBSjZXdWxLZzd3UzRRZVpuaWREUlVwaExlOWRDNC1jRlpsSDBlR3lZNA?oc=5) · The Business Journals
- 2021-07-23 [John Kerbleski Obituary (2021) - San Francisco, CA - Bay City Times - MLive.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQMW9hSDV6eVRuUE8wRWxuUjdJZUR2MC1aOVhJd2s1LWhYdU5NdzV0OFRIMC16M2s3Y1NWM1JEazBBREliUkRya3p5SHR3dVdxVGptdUpGelFIMWJrU3pkZXJrcWZVY1Z2VXRCMG1MWWMtbGpxYUs0ZncyZzJ3UFBhRTJvcGhqUXFTc04xRFBZdw?oc=5) · MLive.com
- 2017-04-03 [Joves named board chair of banking group - guampdn.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxOTzE3anhzazkzSmdwVzZyQ1d0dGcxREQwNUd2VmtCQkRMNHNleEdQVU1jNVNSY1pCMjFGNVdyclQzYnFERUdMZjZPNklOQ1pqSXF6VVdwZlEwaW9DT1dWSmpSODN2eEMxVlM0ZWhMcFRxc082UDB0ZUJIMUQyeTl4UTlhQ3VSQTdXZGg4TDlDRVIyR2JTQjBCRHJfSHNsdHFJdWJUa1pNQW5qVXJpMi1ZTUlmRGluMnE0N1FfOQ?oc=5) · guampdn.com
- 2023-07-31 [Scott Anthony Keen - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxPQ2Z3N3RseXBkVmduMF9BYlhIM3Q1dkhyd0xkdnpZaHRXUEV2QlJCRVNRRUdPeEJ3MU5ONUZJaU1zX1o1Ymo3ODQwVnRyMUUxbktXUndkR1pKUWh3eldDV0lfbWprSzZBbi1GekJhOXA2ZVdtTHNEU0JIejJLVHEtNlc3OW9XdnJYWldicA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23749 (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 "23749", 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