# MISSION VALLEY BANK
SUN VALLEY, CA · FDIC certificate 57101 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 6 (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 | $782.0M | |
| Deposits | $615.3M | |
| Loans and leases | $630.5M | |
| Total equity | $83.9M | |
| Loans / deposits | 101.13% (p90 of band) | 82.04% |
| Liquid assets / assets | 14.29% (p15 of band) | |
| Uninsured deposits / deposits | 0.05% (p0 of band) | 25.97% |
| Brokered deposits | 6.65% | |
| Wholesale funding | 15.47% (p88 of band) | |
| FHLB advances / assets | 8.82% | |
| Tier 1 leverage | 11.00% (p55 of band) | 10.81% |
| Unrealized securities loss / equity | -6.68% (p55 of band) | -8.10% |
| AOCI / equity | -0.06% (p69 of band) | |
| ROA (annualized) | 0.82% (p22 of band) | 1.28% |
| Net interest margin | 4.36% (p76 of band) | 3.91% |
| Efficiency ratio | 71.95% (p77 of band) | |
| Noncurrent loans | 1.94% (p87 of band) | 0.43% |
| Net charge-offs (annualized) | 0.28% (p93 of band) | |
| Reserve coverage of noncurrent | 67.30% | |
| Real estate % of loans | 62% | |
| Construction % of loans | 18.56% (p23 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.6% | |
| Employees | 108 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, charge-offs p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 0 |  | wholesale funding >15%, charge-offs p90 |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 1 | charge-offs p90 |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 | reserve under noncurrent | charge-offs p90 |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 3 | deposits shrinking, assets shrinking |  |
| 2014-06 | 1 |  | deposits shrinking, assets shrinking |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | uninsured deposits >50% |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | run vulnerability |  |
| 2016-12 | 2 | capital falling | run vulnerability |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 2 | run vulnerability |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | run vulnerability |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | run vulnerability |  |
| 2018-12 | 1 |  | run vulnerability |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | capital falling |
| 2020-03 | 2 | run vulnerability |  |
| 2020-06 | 2 | charge-offs p90 | run vulnerability |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 1 |  | charge-offs p90 |
| 2021-06 | 3 | deposits shrinking, assets shrinking |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 1 |  | deposits shrinking, assets shrinking |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 2 | run vulnerability | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2023-03 | 6 | wholesale funding >15%, charge-offs p90 |  |
| 2023-06 | 4 |  | deposits shrinking, uninsured deposits leaving |
| 2023-09 | 1 |  | uninsured deposits >50%, run vulnerability, wholesale funding >15% |
| 2023-12 | 2 | wholesale funding >15%, uninsured deposits leaving | charge-offs p90 |
| 2024-03 | 1 | capital falling | wholesale funding >15%, uninsured deposits leaving |
| 2024-06 | 2 | loans exceed deposits, uninsured deposits leaving | capital falling |
| 2024-09 | 0 |  | loans exceed deposits, uninsured deposits leaving |
| 2024-12 | 1 | wholesale funding >15% |  |
| 2025-03 | 2 | noncurrent p90, reserve under noncurrent | wholesale funding >15% |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 | loans exceed deposits | noncurrent p90 |
| 2025-12 | 2 | brokered >10% | loans exceed deposits |
| 2026-03 | 4 | wholesale funding >15%, noncurrent p90 |  |
| 2026-06 | 6 | loans exceed deposits, capital falling, charge-offs p90, uninsured deposits leaving | brokered >10%, noncurrent p90 |

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

- 2026-08-26 [Mission Valley Bank Names Brian Carlson President and CEO in Planned Leadership Succession - Business Wire](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNNWtWbTV1cTlYbkxXRWpDb0l2LUtCWmlERzl4YzZKakc2aFJtYmNpalVCLVY2ZDhTRzVER1lncGxvMXJDek5xLWdlQk5aQmc0eWFQUkhRYzJNam1FT3VOMUFZcnZUM3JUaEtKV2xRdVJseWFaTGZnNGowdmhZclZKc2FSZTNySlQxNWtsenRHbXpRMm9PM0VveDdhVlY3S3VHdy16UVVBWTVPaklTTEhaQmdESmN5NkZrVEdxcFp1ZnBobEk2NVFwa19ZU1F5M2ZzWlpjQ2FORlBqV1lnSm9EWQ?oc=5) · Business Wire
- 2026-08-26 [Mission Valley Bank Names Brian Carlson President and CEO in Planned Leadership Succession - New Castle News](https://news.google.com/rss/articles/CBMikAJBVV95cUxNUlpGWFNFc0x4T0lVVmR4XzdyckpwQTRvWVpCY01Pek1XWnlHLU1qQmc5LXVxam1XT3pXcEdrVHU5V3BIZDlINDZGbmlFREg0MnFPTVhGWjhZWjNCaGZFaHd3UmdsV0dJalV5SnN4NGtZYjEyeXczMkRaSXhkZWFocTk2alpDTzJxUkc5RlhuQ2ZYYWNLT2JZV0tGMFlOUDI3STVIS0tkQnZqWU9GX0E2dS1xMl9wa0dLWlBEWHNBdGxBNEVPOHl1ZWdxNmJRNlhuNDFOUE81M0VtS1NUanNiVzNlTmVYU3J5WGRPWDVrSXdIY29DU2NWemJWdkRoMW1KNG1uSHY4VUtoblZ4bndUZQ?oc=5) · New Castle News
- 2026-07-24 [Mission Valley Bank Celebrates 25 Years Of Community Banking In Southern California - KHTS Radio](https://news.google.com/rss/articles/CBMi7AFBVV95cUxQbFNycXNKMm9JWXBHY3YtU2d5SUV6aDdqOXVtWS1NYkRKbXp0Q19RRVIwczBvVm9ocHhBU0JvRjF3TUFuZm1TWnZtVzh2UkJ4OGVQaXEtMXJENHdJTWxFaFNqX2lrV1FJYTdWS2NsbkM5VXBWMUNzUGdjZ0dqbmI3UEYwczN5cWVGeGhuQWFjRV84c1I3ckNoSnhOTkFIckc2di05S0dZSW83VEhIZkY0S0x6TTNPNHVtc2lOMENGY3hJbkZTTkZSZmFqNkRxQzlDdWFEdUdxd3FUYXhMWFYyTENpY3Y3TXZkeHh5Rw?oc=5) · KHTS Radio
- 2025-12-09 [Mission Valley Bank Unveils Sleek, Bold, Contactless Mastercard® Business Debit Card - PR Newswire](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQWTNoY0UyX2FvWGlHUnY5R2I2eDE3TXRjZklaX1RVZlFYTFpFSlB4QTh4LUdFWWMyVlQxY24zd1pVdlJ4OHBJREtLN2dpMmdhREFCanAycm9ma2RQTTNveUMtLWlxVlFtejNKQ1BTelNxTjAyM2ZsR2VqM1lva3NpRGpvZnBhSDFYMGZtVEZIbmNSczdIR2JUd0RZMlhlRVBySF92TDl3NE53bU1MY3BrVzlqOW52Y2FoLXdmMFZWN1JuX3h1QkNocGxxTG8xTm53cEw4?oc=5) · PR Newswire
- 2026-07-13 [Mission Valley Bank Celebrates 25 Years of Supporting Southern California Businesses and Communities - Business Wire](https://news.google.com/rss/articles/CBMi7gFBVV95cUxNUFAyVE4tVUNBSzFvQ21UNlkyT3ZGMGNncGR1V0trRUNqU2VhenJpQkdQUF8xMHNqMDFlaExQZ3hjR3d0U3JwaUhxNEhVeEM5a0NWUnJLTXhsZkViUENPbnFxdXU1d01iY1lqSjMwWUo1VVlUVFgyaHlOYUxYRk4tN0RVdHRBODkxc2VhZXVEOE14R0xzUmhyWmFKdWE0aXJFNnRCbHhiNlJtSWdQWkVCX0tYa0NmUzJuaktNUktLZlVVbWVST0ZfZTVNeC1UZDRrdmlBamRWLThHd2FOMjZwUU5oUnlCb2RyMHZLSFhn?oc=5) · Business Wire
- 2018-01-12 [Membership Appointments Announced for the Federal Reserve Bank of San Francisco’s Community Depository Institutions Advisory Council - San Francisco Fed - Federal Reserve Bank of San Francisco](https://news.google.com/rss/articles/CBMi7wFBVV95cUxPeUJNalJOZjFBZ3dsVGRvZ3otc0FUSjFfUHJ0Xy0taFlfTXl1dnNNN1NmVzdMUEQtN0cwSm9CQ0ZHZEk2RUlYMzNzcWNqcnZTMnZwM29TamozN0hINTRUTlh3NXI4RlhYR09XbGRBOWlOUHZhcEFZOVpwdzNQcE9jZ2xybWlkSHVRRXg3YXRUa09IZlY5M0NXdlBobVVORzNKNUtNSWU5VXVZOXpmdXZWQ3NSSnZMM3JuRlZMVWh0YXZzV1lhV2U1X1VjMURZaXFkYkZSZTFUOU5yVDg2dnFaQzBOTVk4OXJiUTdveVRnZw?oc=5) · Federal Reserve Bank of San Francisco
- 2023-11-10 [Mission Valley Bank Review: High APY Online Account - The College Investor](https://news.google.com/rss/articles/CBMickFVX3lxTE5Pdl9rSTVabURxSUpobkxrU2JadkNfWEdTb3I3QlJkcEd3cnN1SGhSeGRRSExhbDlZTkVSM1FJMEdIbUJfMTZpUmt3Mk82WW5EdEQ0MU5nTXZzSlNxenN2RUJ0OVItOVRjUkoxeC1xelRTZw?oc=5) · The College Investor
- 2018-11-01 [Steve Nuñez, Mission Valley Bank: doing business in California - Santa Clarita Valley Signal](https://news.google.com/rss/articles/CBMilgFBVV95cUxNNXl6VXEzejdqU3lDTUZRSDRydXBwVkFpajBScVBOUWpjZkw2ZWZXTm5fc205SEJ0QmZBYUZnRVU2b29zY3hyVXFzSXhZNWgzLVJxb3NhSkU4Y2prZDJsdjhLRExibGhxYkthODNNclZHMGxtS1gyc3JVTmFnWkhWd1ZpdVRYVlJyX3VTSUdZbVBzWjBISnc?oc=5) · Santa Clarita Valley Signal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57101 (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/13.json (key "57101", 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