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Overview / Commentary
3060 Sixteenth Street
San Francisco, CA 94103

Mission National Bank is headquartered in San Francisco and is the 152nd largest bank in the state of California. It is also the 3,299th largest bank in the nation. It was established in 1982 and as of March of 2014, it had grown to 41 employees at 3 locations. Mission National Bank has a A health rating.

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Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Mission National Bank had $2.17 million in non-current loans and owned real-estate with $25.21 million in equity and loan loss allowances on hand to cover it. This gives Mission National Bank a Texas Ratio of 8.60% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for Mission National Bank decreased dramatically from 13.35% as of March 31, 2013 to 8.60% as of March 31, 2014, resulting in a positive change of 35.58%.This indicates that the balance sheet and financial strength for Mission National Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Mission National Bank has increased its total deposits by $4.31 million, resulting in 2.93% 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 above average.

Capitalization

GRADE:
A+

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 $177.46 million in assets with $25.21 million in equity, resulting in a capitalization level of 14.21%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #23749
Year Established1982
Employees41
Primary RegulatorOCC
Assets and Liabilities
Assets$177.46 million
Loans$131.15 million
Deposits$151.38 million
Equity Capital$21.91 million
Loan Loss Allowance$3.30 million
Unbacked Noncurrent Loans$2.17 million
Real Estate Owned$0
Historic Data - March 2013
Assets$171.99 million
Equity Capital$19.83 million
Loan Loss Allowance$3.31 million
Unbacked Noncurrent Loans$2.17 million
Real Estate Owned$330,000
Profit Margin - Quarterly
Net Interest Margin4.95%
Return on Assets1.05%
Return on Equity8.58%
Interest Income$2.18 million
Rates

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Locations


Mission National Bank Locations
2773 Mission Street Branch2773 Mission StreetSan Francisco, CA 94110
Berkeley Branch2855 Telegraph AvenueBerkeley, CA 94705
Mission National Bank3060 Sixteenth StreetSan Francisco, CA 94103