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Mission Bank
Bakersfield, CA · FDIC Certificate #34805 · Chartered 10/0
Total assets
$2.01B
Total deposits
$1.77B
Total equity
$228.57M
Net loans
$1.51B
Branches (offices)
8
Net income (YTD)
$16.17M
Rank: #605 of 4,213 U.S. banks by assets · #43 of 115 in California. Assets changed 8.9% and deposits 8.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.67% |
| Return on equity | 14.70% |
| Net interest margin (YTD) | 4.44% |
| Equity to assets | 11.37% |
| Tier 1 leverage ratio | 12.22% |
| Uninsured deposits (share of deposits) | 43.0% |
| Noncurrent loans (share of loans) | 0.02% |
| Net charge-offs (share of loans) | 0.33% |
| Loans to deposits | 85.4% |
| Real estate loans (share of loans) | 85.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.29B | 85.6% | |
| Commercial & industrial | $162.95M | 10.8% | |
| Consumer / individual | $24.00K | 0.0% | |
| Construction & development | $108.49M | 7.2% | |
| Agricultural | $77.40M | 5.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.42B | $1.29B | $9.75M | $124.20M |
| Jun 2023 | $1.57B | $1.39B | $14.37M | $152.04M |
| Jun 2024 | $1.68B | $1.49B | $14.13M | $179.15M |
| Jun 2025 | $1.85B | $1.63B | $10.53M | $195.89M |
| Jun 2026 | $2.01B | $1.77B | $16.17M | $228.57M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $1.77B | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.77B.
Similar-sized banks
Florence Bank ($2.01B) · Oak Valley Community Bank ($2.00B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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