Mission National Bank

Mission National Bank is headquartered in San Francisco and is the 157^th largest bank in the state of California. It is also the 3,330^th largest bank in the nation. It was established in 1982 and as of March of 2012, it had grown to 42 employees at 3 locations. Mission National Bank has a 3-star health rating.

Mission National Bank Routing Number: 121038773

Data for Q1 2012

Institution Statistics Mission National Bank FDIC Certificate # 23749 BankRate Report View Year Established 1982 Employees 42 Primary Regulator OCC Assets and Liabilities Assets $183.83 million Loans $130.05 million Deposits $160.27 million Equity Capital $18.48 million Loan Loss Allowance $3.53 million Unbacked Noncurrent Loans $4.66 million Real Estate Owned $25,000 Historic Data - March 2011 Assets $198.09 million Equity Capital $18.02 million Loan Loss Allowance $3.02 million Unbacked Noncurrent Loans $6.47 million Real Estate Owned $1.19 million Profit Margin - Quarterly Net Interest Margin 4.79% Return on Assets 0.89% Return on Equity 8.99% Interest Income $2.29 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Mission National Bank had $4.68 million in non-current loans and owned real-estate with $22.01 million in equity and loan loss allowances on hand to cover it. This gives Mission National Bank a Texas Ratio of 21.26% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Mission National Bank decreased slightly from 32.72% as of March 31, 2011 to 21.26% as of March 31, 2012, resulting in a positive change of 35.02%.This indicates that the balance sheet and financial strength for Mission National Bank has improved slightly in recent periods. Deposit Growth In the past year, Mission National Bank has decreased its total deposits by -$14.91 million, resulting in -8.51% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Mission National Bank has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Mission National Bank has $183.83 million in assets with $22.01 million in equity, resulting in a capitalization level of 11.97%, which is above average.

No reviews have been left for this bank yet. Be the first to review.