5 star ratingAverage User Rating:
5 star rating based on 3 reviews.

MISSION VALLEY BANK

MISSION VALLEY BANK Locations
9116 Sunland Boulevard
Sun Valley, CA 91352
www.missionvalleybank.com

MISSION VALLEY BANK is headquartered in Sun Valley and is the 131st largest bank in the state of California. It is also the 2,555th largest bank in the nation. It was established in 2001 and as of March of 2012, it had grown to 67 employees at 3 locations. MISSION VALLEY BANK has a 4-star health rating.

MISSION VALLEY BANK Routing Number: 122243224


Data for Q1 2012


Institution Statistics


Mission Valley Bank
FDIC Certificate #57101
BankRate ReportView
Year Established2001
Employees67
Primary RegulatorFDIC

Assets and Liabilities

Assets$252.12 million
Loans$176.90 million
Deposits$194.42 million
Equity Capital$34.57 million
Loan Loss Allowance$5.64 million
Unbacked Noncurrent Loans$4.70 million

Historic Data - March 2011

Assets$253.93 million
Equity Capital$33.29 million
Loan Loss Allowance$4.94 million
Unbacked Noncurrent Loans$4.63 million

Profit Margin - Quarterly

Net Interest Margin4.98%
Return on Assets0.23%
Return on Equity1.68%
Interest Income$3.20 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio4
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 VALLEY BANK had $4.7 million in non-current loans and owned real-estate with $40.22 million in equity and loan loss allowances on hand to cover it. This gives MISSION VALLEY BANK a Texas Ratio of 11.69% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for MISSION VALLEY BANK held steady from 12.63% as of March 31, 2011 to 11.69% as of March 31, 2012, resulting in a positive change of 7.40%.This indicates that the balance sheet and financial strength for MISSION VALLEY BANK has held steady in recent periods.
Deposit Growth3
In the past year, MISSION VALLEY BANK has increased its total deposits by $1.13 million, resulting in 0.58% 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 average.
Capitalization5
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 $252.12 million in assets with $40.22 million in equity, resulting in a capitalization level of 15.95%, which is excellent.
Write Review

Mission Valley Bank - Sunland, CA
5 stars - Johneb86 - Wednesday, March 14, 2012 - 3:42 PM

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

 

 

1

Love, Love, Love Mission Valley Bank!!!
5 stars - cshell2 - Wednesday, March 14, 2012 - 3:41 PM

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.    

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I Love Mission Valley Bank! Great Customer Service
5 stars - Steven - Wednesday, March 14, 2012 - 3:03 PM

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/

 

 

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