Bank holding firm Mission Valley's Q4 net income rises on deposit growth
Overview
California bank holding company's Q4 net income rose significantly yr/yr
Company achieved double-digit growth in loans and deposits
Outlook
Mission Valley Bancorp plans grand opening of Arcadia branch in February 2026
Result Drivers
LOAN SALES - $43.6 mln in loan principal sold resulted in a $2.0 mln gain on sale in Q4 2025, up from $34.1 mln and $1.4 mln gain in Q4 2024
SBA SERVICING ASSETS - Change in fair value of SBA servicing assets resulted in a $0.7 mln net gain in Q4 2025, compared to a $0.2 mln net loss in Q4 2024
CORE DEPOSIT GROWTH - Majority of deposit growth in Q4 2025 came from core deposits, contributing to overall deposit increase
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 EPS |
| $0.93 |
|
Q4 Net Income |
| $3.1 mln |
|
Q4 Net Interest Income |
| $7.6 mln |
|
Q4 Net Interest Margin |
| 4.27% |
|
Press Release: ID:nPn2LFHN7a
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