Mission Valley Bank
Sun Valley, California · FDIC Cert #57101
Mission Valley Bank is an FDIC-insured bank (Certificate #57101) with $645M in total assets and $507M in total deposits as of the Q2 2024 Call Report. Headquartered in Sun Valley, California, the bank maintains a Tier 1 capital ratio of 11.49% (Well-Capitalized) and a nonperforming loan ratio of 0.18%. BankHealthData assigns a composite Health Grade of B (72/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Mission Valley Bank (FDIC cert 57101) is a community bank — $645M in total assets, $507M in deposits, serving the Sun Valley, California area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.49% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.18% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 13.8% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 1.80% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Mission Valley Bank carries a composite BankHealth grade of B (72/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Mission Valley Bank
- Total Assets
- $645M
- Total Deposits
- $507M
- Tier 1 Capital Ratio
- 11.49%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.18%
- Liquidity Ratio
- 13.82%
- Return on Assets
- 1.80%
- Headquarters
- Sun Valley, California
- FDIC Certificate
- #57101
- Health Grade
- B (72/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Mission Valley Bank holds a Tier 1 capital ratio of 11.49%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Mission Valley Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Mission Valley Bank shows strong financial health indicators. With $645M in assets and a Health Score of 72/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Mission Valley Bank Compares
Mission Valley Bank’s Health Score of 72 is 0 points above the California state average of 72 across 123 FDIC-insured banks. Its 11.49% Tier 1 capital ratio is 2.5 points below the US banking industry average near 14%. The 0.18% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.80% is in line with or above the national ROA benchmark of ~1.1%. Among 1304 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Mission Valley Bank is 2 points above the portfolio average of 70.
Frequently Asked Questions
Mission Valley Bank has a Bank Health Score of B (72/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.49%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Mission Valley Bank's Tier 1 capital ratio of 11.49% and nonperforming loan ratio of 0.18% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Mission Valley Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #57101). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Mission Valley Bank holds $645M in total assets and $507M in total deposits. It is headquartered in Sun Valley, California (FDIC Certificate #57101).
Mission Valley Bank has a Tier 1 capital ratio of 11.49%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.18%, and the return on assets is 1.80%.
Yes. Mission Valley Bank is FDIC-insured (Certificate #57101). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Mission Valley Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.