Mission Bank: how it compares with its peers
Against 31 CA banks with half to twice its assets, Mission Bank's strongest measure in Q2 2026 is net interest margin (4.44% vs. a 3.69% peer median). Its weakest relative measure is assets per employee ($12.2M vs. $10.2M).
| Measure | Mission Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.67% | 1.11% | Top third Ahead of 81% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.44% | 3.69% | Top third Ahead of 84% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 45.11% | 56.65% | Top third Ahead of 81% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.2M | $10.2M | Top third Ahead of 70% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.39% | 89.27% | Context |
What it means for lending operations
Its efficiency ratio of 45.11% is better than the 56.65% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Montecito Bank & Trust Santa Barbara, CA · $2.02B
- Oak Valley Community Bank Oakdale, CA · $2.00B
- Beneficial State Bank Oakland, CA · $2.03B
- Commonwealth Business Bank Los Angeles, CA · $1.97B
- First Northern Bank of Dixon Dixon, CA · $1.93B
- Plumas Bank Quincy, CA · $2.28B
Questions about Mission Bank
How big is Mission Bank?
Mission Bank, established in 1998, is headquartered in Bakersfield, CA. It reported $2.01B in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Mission Bank's return on assets?
1.67% annualized in Q2 2026, against a 1.11% median for 31 CA banks with half to twice its assets, ahead of 81% of them.
What is Mission Bank's efficiency ratio?
45.11% in Q2 2026: it spent about 45 cents in noninterest expense for each dollar of revenue. The peer median is 56.65%, and lower is better.
Is Mission Bank growing its loans?
Net loans grew 13.0% over the year to Q2 2026, while deposits grew 8.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.