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Overview / Commentary
9116 Sunland Boulevard
Sun Valley, CA 91352

MISSION VALLEY BANK is headquartered in Sun Valley and is the 121st largest bank in the state of California. It is also the 2,408th largest bank in the nation. It was established in 2001 and as of March of 2014, it had grown to 63 employees at 3 locations. MISSION VALLEY BANK has a B+ health rating.

Reviews (5)

Best Business Bank Ever!

Mission Valley Bank's focus on the client is unmatched. Not only does my business rely upon MVB for the transactional side of banking, but their expertise in financial products and genuine interest to understand my business needs makes for a great partnership. As a small business owner, I feel each member of the MVB team from the president to the tellers and everyone in between always has my best interests at heart.

Bank Has No Working Alert System To Protect Clients When Doing On Line Transfers.

First and second complaint disappeared:

To repeat a prior comment: The BANK continues to operate on line banking with out a proper alert system to notify the clients of disbursement before the disbursement occurs. This is a copy of a letter that was posted and disappeared after the lawyers letter arrived warning of negative comments about a banking institution. Is this negative or an opinion about operating procedures in the banking business.

hoffmannthomas65@gmail.com

Mission Valley Bank - Sunland, CA

I never knew the difference from a large institutional bank compared to a true Community bank until recently.  First off they get to know you and your business needs w/ a friendly attitude.  The tellers are always friendly and willing to lend a hand.  Their management is first rate w/ more experience than I was accustom to at my old bank.  They have the knowhow to assist your every banking need w/ a can do spirit that is rarely seen in these unique times.

Keep up the good work!

John

 

 

Love, Love, Love Mission Valley Bank!!!

I own a small business and have lots of experience with other banks -- both large and small.  My experience with Mission Valley Bank has been second to none.  Their staff is wonderful - friendly, professional, and always available to help.  They are very community oriented, and host great educational programs for their clients.    

I Love Mission Valley Bank! Great Customer Service

My Mission Valley Bank experience has been amazing.

I used to bank with a Big National Chain with the intials "BOA" and never felt taken care of like the friendly and competent staff at Mission Valley Bank.   They treated me the way I  expect to be treated—with professionalism and courtesy. I was surprised when they called me by my first name, even though I only visit the bank every couple weeks.

As a small business owner, I like that they actually care about their customers. I recently read this posting on their website. www.missionvalleybank.com/news/getting-things-done/creating-a-business-plan/

 

 



Health

Data for Q1 2014

Institution Health

B+

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 VALLEY BANK had $4.28 million in non-current loans and owned real-estate with $40.75 million in equity and loan loss allowances on hand to cover it. This gives MISSION VALLEY BANK a Texas Ratio of 10.50% 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 VALLEY BANK decreased dramatically from 17.04% as of March 31, 2013 to 10.50% as of March 31, 2014, resulting in a positive change of 38.39%.This indicates that the balance sheet and financial strength for MISSION VALLEY BANK has improved dramatically in recent periods.

Deposit Growth

GRADE:
D

In the past year, MISSION VALLEY BANK has decreased its total deposits by -$21.59 million, resulting in -8.66% 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 VALLEY BANK has shown is below 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 VALLEY BANK has $267.6 million in assets with $40.75 million in equity, resulting in a capitalization level of 15.23%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #57101
Year Established2001
Employees63
Primary RegulatorFDIC
Assets and Liabilities
Assets$267.60 million
Loans$167.53 million
Deposits$227.69 million
Equity Capital$36.92 million
Loan Loss Allowance$3.83 million
Unbacked Noncurrent Loans$4.28 million
Real Estate Owned$0
Historic Data - March 2013
Assets$288.35 million
Equity Capital$35.94 million
Loan Loss Allowance$5.25 million
Unbacked Noncurrent Loans$4.28 million
Real Estate Owned$192,000
Profit Margin - Quarterly
Net Interest Margin4.36%
Return on Assets0.58%
Return on Equity4.25%
Interest Income$2.85 million
Rates

Sorry, we do not have rate data for MISSION VALLEY BANK

Locations


MISSION VALLEY BANK Locations
Valencia Branch25060 Avenue StanfordValencia, CA 91355
Centre Point Branch26415 Carl Boyer DriveSanta Clarita, CA 91350
Mission Valley Bank9116 Sunland BoulevardSun Valley, CA 91352