# MISSION BANK
KINGMAN, AZ · FDIC certificate 57137 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $185.1M | |
| Deposits | $171.0M | |
| Loans and leases | $71.1M | |
| Total equity | $13.0M | |
| Loans / deposits | 41.11% (p13 of band) | 73.59% |
| Liquid assets / assets | 58.35% (p86 of band) | |
| Uninsured deposits / deposits | 23.70% (p64 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.45% (p16 of band) | 11.76% |
| Unrealized securities loss / equity | -120.78% (p1 of band) | -6.57% |
| AOCI / equity | 1.08% (p97 of band) | |
| ROA (annualized) | 0.54% (p19 of band) | 1.17% |
| Net interest margin | 3.26% (p20 of band) | 3.93% |
| Efficiency ratio | 79.49% (p78 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 76% | |
| Construction % of loans | 18.89% (p52 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 | -3.8% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 2 | deposits shrinking, assets shrinking | capital falling |
| 2013-03 | 1 |  | assets shrinking |
| 2013-06 | 0 |  | deposits shrinking |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | capital falling, charge-offs p90 |  |
| 2014-09 | 1 |  | charge-offs p90 |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 | charge-offs p90 | capital falling |
| 2015-06 | 0 |  | charge-offs p90 |
| 2015-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-12 | 1 |  | deposits shrinking, assets shrinking |
| 2016-03 | 0 |  | uninsured deposits leaving |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | charge-offs p90 |  |
| 2016-12 | 0 |  | charge-offs p90 |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | expense ratio p90 |  |
| 2021-06 | 3 | leverage <7%, capital falling |  |
| 2021-09 | 2 |  | expense ratio p90 |
| 2021-12 | 3 | AOCI drag >20% of equity |  |
| 2022-03 | 5 | securities losses >30% of equity, NIM <2.5% |  |
| 2022-06 | 4 |  | NIM <2.5% |
| 2022-09 | 4 |  |  |
| 2022-12 | 3 |  | capital falling |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking, assets shrinking | leverage <7% |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | uninsured deposits leaving |  |
| 2024-03 | 2 |  | assets shrinking, uninsured deposits leaving |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | uninsured deposits leaving |  |
| 2024-12 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | capital falling |  |
| 2025-09 | 1 |  | capital falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 3 | deposits shrinking, assets shrinking |  |
| 2026-06 | 1 |  | deposits shrinking, assets shrinking |

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

- 2025-06-05 [Avenir Financial’s Acquisition Of Mission Bank Stands Out As Rare ‘Merger of Equals’ In Credit Union/Bank Deals - cutoday.info](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNbVhURzVhb3g2dmVoNzlJSE8teGt5Tlc1T2J5NlNsZE1uTnNFX3V2cTFQVC1GS3BPRy1BWVp5bFFsOXVYVnl6czJaVDd1R3NhLWJEeU90Wl8xTk9NaTV4YmEyVUxhaGtpVUFWR1hNdVQ0bXdlVDBNNklXRllnVFpUUG14RW5MUkVMWFQzMmZwbGdMMC1yaVFlZnIwZHdiZ2NOZDVRbmlZREdIZ3VsOWRJWGl0SVEyTE01b2hjZ0EwODRvZ0FicWVKQ2F6NE9Fa1hRLTFTTGQ3NkJacXN6bTFn?oc=5) · cutoday.info
- 2025-01-27 [Mission Bank Data Breach Lawsuit Investigation - ClassAction.org](https://news.google.com/rss/articles/CBMif0FVX3lxTE5tYlFySHZ0QXJuR1d3Y0FhOUpLdmY4SjhTZ2lNMVd4cFhEcXdvSHRVc0lKM052MGVVdFVPSk1pYnhMN0R3ZG85Q0ZTd2ZPQUF5bDJOc0tvZlZwVG9MWHpfVjJKUE9rajdIZW9PZWtmOU5LRlFoY09vay1ncWsxUVU?oc=5) · ClassAction.org
- 2024-01-23 [Mission Bank announces next steps in board succession strategy - PR Newswire](https://news.google.com/rss/articles/CBMiugFBVV95cUxPaGE4MEdtQXVxWGtueGd6cVpRMHNIcGZOaVNOeU83VHd1Vk1pa2huOVg4YlRjWktFamJxb2pOR0g0OHlOR1poU1UtZ1F2el9id0pZWVJRMkROM3ppXzBWWVpIbnFOaUJLOGNBVXBuUjBFX1JuQl9GYjBjcFo0SlhVOUxMeWt5QXQ5Q21iRmhkVWtudTVkMHdURXhvUVlCX0ZlSDFlY1dyRXFjOHl1YTlBUjhlSGNKU2xrWlE?oc=5) · PR Newswire
- 2025-08-05 [Yes, credit unions are buying more banks - American Banker](https://news.google.com/rss/articles/CBMikgFBVV95cUxNMGlqZE1neUZndlVlY0plSVl5SGpvYlpITERxdFczd3RCajUwQU5Nd0w1NG9GZXFLOUUyNlNPR0RyZEhlMzdyd3JhS2p2ZllpRUtUMUU4aUFTbWtDWTJNVEJpN1AtNVM3ZU9EemdOSXA5MDd3WHM1QmJqTldmQ2psWmlYQ3FlMW11V0NCNUNTTWpXQQ?oc=5) · American Banker
- 2025-07-09 [Credit union mergers spark debate over Tucson’s financial future - tucsonlocalmedia.com](https://news.google.com/rss/articles/CBMi-gFBVV95cUxNTDBRby1OMC1sbzFzaGdIRlR4d08zNmdoTjlxTmFLNTNDSzBLcTF1ZGl4R0JZbVBldnhsZ1BYR09aeUFfYkdjaDFYQTVoZTZSaVVIcGZTYVhhRTFjTEFUN3VtYU9pV0xVNkRQdnFyUVVTWE9VZmxqYUtRZlpsV090UTF0RXFlN3BxdmFZWHZuaUgzZzZPVXl2LVNzQnZPeEFQUnFscGwya251THhLRmxQUzBQejk3YkFxaHpQOUxxNVNGWlhrODFrRzdPZ0xWTDNlZ3BocWZBODdBYmxJdzBIMG82Y09lZFp5WTJGTE1LZHhSRC1NQjJ2bXB3?oc=5) · tucsonlocalmedia.com
- 2024-11-27 [Mission Bank freshens up with rebranding campaign - bakersfield.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxNUU16NXhDQzBEN0kybWRsUHQzYkNhUl84UTFTQVo1M1c1SGdpeVVzNDFkZGNSQmNBNURzTFVWLVdPcWJaMDAydDZPSW1jZFllbDYtZG9zaGlPNmF6dnctQVMzeGlZNHZVTHFNY0hIaHN5SWo0bVh6RE91YXJQb1pGOHlEcmpHN0t5REhtUnNMV0FvMWF0NGtUQU56c1ZFNTQ2cUM3VmRDUURQQWxtV2hXRW10emhBQkVfdkE2dHdmekV3UTZENEg4dFZFX0E?oc=5) · bakersfield.com
- 2024-11-22 [Bullhead City Police Capture Suspect in Mission Bank Robbery - thebee.news](https://news.google.com/rss/articles/CBMijgFBVV95cUxQdzJHendsOHBwMEdWdlBEX1NBM252Qi1HYmZqdjZHTG5ub1ZnRmhDUVRKTU82S2NqQ0xXUk51ME5OWG54M0M3c1VrbkI4RkNLT0QtVkR5Szk0RUxRa2tmZ1prOWNDMGNRb0JHNFBOUW8wM2NodjNSaFJEQzRndHpJX3FDRTkzWW9HcVBrU1FR?oc=5) · thebee.news
- 2025-10-14 [Mission Bank transition to Avenir Financial expected to be complete by June 2026 - kdminer.com](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQSlo0N2Q2OV92eWRxN3FRcDVBb3lyYlVOd0htdjVobWpKVG1CSlg0MDZzZUNpSXBlbVJVU3hEWWVDRkFaZ2VGWjdycDE3M2Ntc1hvY21xMDVQdnJzWHJHWVN5aWFMU1JPcHZUeHA5NVJjN3lMWjN5djJFV2ZqMXJoT3d2VTk3aWZZakswOEQyOUtWSlFWTk44c2ZMOVhwSUhLcnhaWFhncmZWbWtibW14RFJuSlU3SnlVeHdwSmNYT0V6WThseF9VWVFZQlZyY3gwQTh6Y0JGNURSY29qR3RCQzJWVlFaUk9iWU4xM0t4WEs?oc=5) · kdminer.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57137 (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/49.json (key "57137", 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