# MISSION BANK
BAKERSFIELD, CA · FDIC certificate 34805 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $2.01B | |
| Deposits | $1.77B | |
| Loans and leases | $1.53B | |
| Total equity | $228.6M | |
| Loans / deposits | 85.39% (p46 of band) | 87.10% |
| Liquid assets / assets | 21.44% (p51 of band) | |
| Uninsured deposits / deposits | 43.04% (p80 of band) | 30.76% |
| Brokered deposits | 4.24% | |
| Wholesale funding | 4.24% (p42 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.22% (p78 of band) | 10.50% |
| Unrealized securities loss / equity | -8.87% (p45 of band) | -7.75% |
| AOCI / equity | 0.10% (p84 of band) | |
| ROA (annualized) | 1.67% (p77 of band) | 1.26% |
| Net interest margin | 4.44% (p85 of band) | 3.70% |
| Efficiency ratio | 45.11% (p13 of band) | |
| Noncurrent loans | 0.02% (p7 of band) | 0.51% |
| Net charge-offs (annualized) | 0.25% (p89 of band) | |
| Reserve coverage of noncurrent | 6855.08% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 47.47% (p50 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 8.4% | |
| Employees | 165 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 0 |  | capital falling |
| 2026-03 | 1 | charge-offs p90 |  |
| 2026-06 | 0 |  | charge-offs p90 |

## 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
- 2026-07-01 [Mission Bank Opens New Loan and Deposit Production Office in North San Luis Obispo County - PR Newswire](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQU0pzMXVMamU4VXUxWGx2aUVkTzd2TV8tQ1FSSEEwOTBWaFpqZmhHVHpBSXdaZGJXb0lMUEgyWWlqTkxDRVBKZjFWdjNQcGFjNUZOR0hBdElVR1RnQXdFV3J2VmVRcEt3bmpxYnB1OEVDVGgzT1dqdXRZQVBLY2dUaVFoVElzUWRtbjlad3hucXpteWdNeENkaE9hcmxKdjJvWTU0eHBXUzR5R2NzTW1nY1pUcllJamlQMUpfOWxvTGZXMVI0TG4zQ2lGdWRVVV92OElhY0RiQXhUbDZoYUE?oc=5) · PR Newswire
- 2026-08-12 [Mission Bank named in the top 20 performing banks under $2 billion for fourth year in a row - Yahoo Finance](https://news.google.com/rss/articles/CBMilAFBVV95cUxOWnZ4dnZNbDFtNXNLRTFiZ0V3ekZxVld6cXR4OEJ0SmYxdGtyOE4yM0RrVkE3V2pZWXJmU250X3lSWG00b0RRelYzdGQwVWluSWQzVDRqdnpleTh1OTY5bjZUWWc1cFlta3h3ZWwtajRBenFIZEVQdE1hTGZmU3BJM2NleG84WFVpLVhDY1ZfYWlKMmVS?oc=5) · Yahoo Finance
- 2019-02-28 [SFPD Make Arrest in Mission Bank Robbery 19-021 - San Francisco Police Department](https://news.google.com/rss/articles/CBMijAFBVV95cUxQMzgwSTg1ZzMwM0s4T0dNYTJiT0hOM0lEQkdNVzl2M0hUSmpEYzRZVGZlc2ZQVUMzbUF3SDZwUm5LMVQwb2xEVVNYM1Flb3NwSFdCOHJkS2dyZkFHRW9JU3ZrUUN5dUhYc1d3VVNtNnhOakZTSlI5UWJ0UGd4bUhrUXE1SG9mMWRfVUE5TA?oc=5) · San Francisco Police Department
- 2025-01-27 [Mission Bank Data Breach Lawsuit Investigation - ClassAction.org](https://news.google.com/rss/articles/CBMif0FVX3lxTE5tYlFySHZ0QXJuR1d3Y0FhOUpLdmY4SjhTZ2lNMVd4cFhEcXdvSHRVc0lKM052MGVVdFVPSk1pYnhMN0R3ZG85Q0ZTd2ZPQUF5bDJOc0tvZlZwVG9MWHpfVjJKUE9rajdIZW9PZWtmOU5LRlFoY09vay1ncWsxUVU?oc=5) · ClassAction.org
- 2026-08-25 [Mission RCMP seek public help to identify man accused of using forged ID to open bank accounts - RED FM Canada](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQS2tOdGg3eW9qWkZHYWlGODJwMnlJUWRHX243dEJHR3ctTlo4dzVKdnRJNE1qeGY3MWd4QkhOQVRyVUF4TDZrVmJKMTNzdDdsbHRHWV9HbUUyTTQyeXloekZRVHJzcTV3N0FuSEN2ekJDYXVPRzcyNVY1eVRINlNRcnZfLVhkMURLQ09lYXlpM1FCMXR2ZS1FNF92cXhjVU04ZHh6THlsNFlQZU5maDRla0FKS1ltNmpBR1NzUVdHSHRoZGtuckxGNG1IQzV4Q0tDR0J1TzNlcTQ?oc=5) · RED FM Canada
- 2022-03-23 [Mission Bank expands into Visalia - bakersfield.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxNWlB3UTFEWTVPNVZaYk1FUWhCcTFLSG9nODdoT3Z4T2k0MTVscXNhT2piRWhDUWlCWWxlcWpyNkt3RERfaExzZUdGYXpkQi13X2V3dzJ3WW9HM3VWRGt3WWJ0a2hyZFBOLXpHZDVxelFkN1B3d2VJNTlFaFAxMUhGTFhfVXhYeUxKTFdvZm5sRm9tTFRpTWY0VzBQSC03bGdxWUNFRHp6emR4UDB6d2NURTlLd2Uyb0E?oc=5) · bakersfield.com
- 2023-01-10 [Michigan credit union is first to announce bank acquisition in 2023 - American Banker](https://news.google.com/rss/articles/CBMitwFBVV95cUxQaFZpRFpmSU5DU19XaS0xeHZXbk01b3VlNmZtNDZ2NXpvNUdpWHI4aHJ1LTkxWmUyNi1xV0FEZHFwQ1pVZWFMT0J2Z2kwX2NsOFV3U3pab2UxMUtKSmI1M0JzdnE4N1BDOEtXSlRGbWxzaUVMVkxzYzRVVVZnQ0w2SEthMVRkTTRFN1hPWlNxV1R1SzA4a3pkMWxyOENHVHRaWHllZ3RMU3F1bzRXU2podUtGZWd6WUE?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34805 (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/53.json (key "34805", 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