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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Sun Valley, CA · FDIC certificate #57101
MISSION VALLEY BANK is an FDIC-insured institution based in Sun Valley, CA (FDIC certificate #57101). In its Q3 2026 Call Report it reported total assets of $789M, total deposits of $649M and net loans of $628M. Its primary federal regulator is FDIC.
Plain-language readout
MISSION VALLEY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $789M in Q3 2026 and were lowest at $773M in Q1 2026.
Total deposits were highest at $649M in Q3 2026 and lowest at $615M in Q2 2026.
Over the whole period total assets rose 2.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $789M | $649M | $628M | 0.86% | 8.07% | 4.48% |
| Q2 2026 | $782M | $615M | $622M | 0.82% | 7.68% | 4.36% |
| Q1 2026 | $773M | $632M | $618M | 0.55% | 5.15% | 4.15% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $69.5M | $64.2M | +$5.3M | +8.3% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| 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) | $41.5M | $42.9M | -$1.3M | -3.1% |
| Equity securities with readily determinable fair values, not held for trading | $709K | $712K | -$3K | -0.4% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $622.3M | $617.6M | +$4.7M | +0.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $8.1M | $8.0M | +$16K | +0.2% |
| Other real estate owned | $314K | $314K | $0K | 0.0% |
| 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) | $6.1M | $6.0M | +$126K | +2.1% |
| All other assets | $33.4M | $32.8M | +$637K | +1.9% |
| Total assets | $782.0M | $772.6M | +$9.4M | +1.2% |
| Liabilities | ||||
| Total deposits | $615.3M | $632.1M | -$16.8M | -2.7% |
| 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 | $69.0M | $44.5M | +$24.5M | +55.1% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $13.8M | $14.1M | -$302K | -2.1% |
| Total liabilities | $698.1M | $690.7M | +$7.4M | +1.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $9.7M | $9.7M | $0K | 0.0% |
| Surplus | $22.9M | $22.9M | $0K | 0.0% |
| Retained earnings | $54.7M | $52.6M | +$2.1M | +4.0% |
| Accumulated other comprehensive income | -$3.5M | -$3.4M | -$30K | -0.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $83.9M | $81.8M | +$2.1M | +2.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $12.5M | $16.5M | -$4.0M | -24.0% |
| Adjusted nonperforming assets | $11.6M | $15.5M | -$4.0M | -25.7% |
| Tangible equity plus allowance | $86.0M | $84.9M | +$1.1M | +1.3% |
| Texas ratio (gross) | 14.56% | 19.41% | -4.85 pts | See points |
| Texas ratio (adjusted) | 13.43% | 18.32% | -4.88 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 13.49% | 19.20% | -5.71 pts | See points |
| Tier 1 capital to risk-weighted assets | 12.25% | 12.26% | -0.02 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.25% | 12.26% | -0.02 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.19% | 1.25% | -0.06 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.44% | 13.52% | -0.08 pts | See points |
| Tier 1 leverage (approximate) | 11.00% | 11.13% | -0.13 pts | See points |
| Construction and land loans to total capital | 16.35% | 15.52% | +0.83 pts | See points |
| Commercial real estate to total capital | 225.49% | 239.35% | -13.86 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -5.64% | -5.73% | +0.09 pts | See points |
| Liquidity | ||||
| Core deposits | $542.1M | $522.4M | +$19.7M | +3.8% |
| Non-core funding | $142.3M | $154.3M | -$12.0M | -7.8% |
| Loans to core deposits | 116.32% | 119.96% | -3.64 pts | See points |
| Loans to deposits | 102.47% | 99.13% | +3.34 pts | See points |
| Brokered deposits share of deposits | 8.45% | 14.62% | -6.17 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 100.00% | 100.00% | 0.00 pts | See points |
| Volatile liabilities | $180.3M | $196.1M | -$15.8M | -8.1% |
| Earnings | ||||
| Earnings before provision, year to date | $5.6M | $2.4M | +$3.2M | +131.7% |
| Earnings before provision, single quarter | $3.2M | $2.4M | +$761K | +31.7% |
| Provision for credit losses, year to date | $1.2M | $950K | +$200K | +21.1% |
| Yield and cost | ||||
| Yield on loans and leases | 7.08% | 6.62% | +0.46 pts | See points |
| Yield on interest-bearing balances due from banks | 3.68% | 3.61% | +0.07 pts | See points |
| Total interest income to average assets | 6.22% | 5.88% | +0.34 pts | See points |
| Cost of interest-bearing transaction accounts | 1.83% | 0.93% | +0.90 pts | See points |
| Cost of savings and money market deposits | 3.42% | 3.34% | +0.08 pts | See points |
| Cost of time deposits | 3.24% | 3.42% | -0.18 pts | See points |
| Total interest expense to average assets | 2.07% | 2.01% | +0.06 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 | $789M | $649M | $628M | 0.86% | 8.07% | 4.48% |
| 2026-06-30 | $782M | $615M | $622M | 0.82% | 7.68% | 4.36% |
| 2026-03-31 | $773M | $632M | $618M | 0.55% | 5.15% | 4.15% |
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 | $599.6M | 0.03% | 103 | 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.