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Data through Q3 2026 · 4,200 institutions
Regulatory profile
San Francisco, CA · FDIC certificate #23749
MISSION NATIONAL BANK is an FDIC-insured institution based in San Francisco, CA (FDIC certificate #23749). In its Q3 2026 Call Report it reported total assets of $290M, total deposits of $247M and net loans of $247M. Its primary federal regulator is OCC.
Plain-language readout
MISSION NATIONAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $290M in Q3 2026 and were lowest at $249M in Q1 2026.
Total deposits were highest at $247M in Q3 2026 and lowest at $207M in Q1 2026.
Over the whole period total assets rose 16.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $290M | $247M | $247M | 0.02% | 0.14% | 2.83% |
| Q2 2026 | $276M | $237M | $232M | -0.05% | -0.32% | 2.81% |
| Q1 2026 | $249M | $207M | $200M | 0.10% | 0.68% | 2.85% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $31.2M | $39.8M | -$8.6M | -21.6% |
| Federal funds sold | $4.2M | $1.7M | +$2.6M | +156.7% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $0K | $0K | $0K | n/a |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $232.1M | $200.3M | +$31.8M | +15.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.5M | $1.5M | -$2K | -0.1% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $7.3M | $5.8M | +$1.5M | +25.2% |
| Total assets | $276.4M | $249.2M | +$27.3M | +10.9% |
| Liabilities | ||||
| Total deposits | $237.1M | $206.6M | +$30.5M | +14.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $3.0M | -$3.0M | -100.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.7M | $3.6M | +$134K | +3.7% |
| Total liabilities | $240.8M | $213.2M | +$27.6M | +13.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $2.3M | $2.3M | $0K | 0.0% |
| Surplus | $12.5M | $12.5M | $0K | 0.0% |
| Retained earnings | $20.9M | $21.3M | -$381K | -1.8% |
| Accumulated other comprehensive income | $0K | $0K | $0K | n/a |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $35.6M | $36.0M | -$381K | -1.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $38.4M | $38.5M | -$72K | -0.2% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | 0.00% | Not reported | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 13.94% | 14.76% | -0.82 pts | See points |
| Construction and land loans to total capital | 5.75% | 14.99% | -9.24 pts | See points |
| Commercial real estate to total capital | 349.85% | 341.77% | +8.08 pts | See points |
| Dividend payout, year to date | Not reported | 2032.26% | Not reported | See points |
| Securities unrealized gain (loss) to Tier 1 capital | 0.00% | 0.00% | 0.00 pts | See points |
| Liquidity | ||||
| Core deposits | $120.2M | $108.5M | +$11.7M | +10.7% |
| Non-core funding | $116.9M | $101.1M | +$15.8M | +15.7% |
| Loans to core deposits | 195.50% | 186.92% | +8.58 pts | See points |
| Loans to deposits | 99.09% | 98.19% | +0.91 pts | See points |
| Brokered deposits share of deposits | 35.13% | 30.00% | +5.13 pts | See points |
| Pledged securities share of securities | Not reported | Not reported | Not reported | See points |
| Loans pledged, share of loans | 47.84% | 60.94% | -13.10 pts | See points |
| Volatile liabilities | $133.9M | $104.1M | +$29.7M | +28.5% |
| Earnings | ||||
| Earnings before provision, year to date | $216K | $78K | +$138K | +176.9% |
| Earnings before provision, single quarter | $138K | $78K | +$60K | +76.9% |
| Provision for credit losses, year to date | $298K | -$13K | +$311K | +2392.3% |
| Yield and cost | ||||
| Yield on loans and leases | 5.86% | 5.65% | +0.21 pts | See points |
| Yield on interest-bearing balances due from banks | 3.60% | 3.62% | -0.02 pts | See points |
| Total interest income to average assets | 5.50% | 5.35% | +0.15 pts | See points |
| Cost of interest-bearing transaction accounts | 0.46% | 0.38% | +0.07 pts | See points |
| Cost of savings and money market deposits | 2.00% | 1.57% | +0.44 pts | See points |
| Cost of time deposits | 3.97% | 3.89% | +0.09 pts | See points |
| Total interest expense to average assets | 2.66% | 2.58% | +0.08 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $290M | $247M | $247M | 0.02% | 0.14% | 2.83% |
| 2026-06-30 | $276M | $237M | $232M | -0.05% | -0.32% | 2.81% |
| 2026-03-31 | $249M | $207M | $200M | 0.10% | 0.68% | 2.85% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| CA | $194.4M | 0.01% | 140 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.