Bank holding firm Mission Valley's Q4 net income rises on deposit growth

Mission Valley Bancorp

02/02/2026 23:17

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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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)