Mission Banc Ord Stock Price, News & Analysis

Mission Bancorp (OTC Pink: MSBC) reported fourth-quarter 2025 net income available to common shareholders of $8.2 million ($2.88 diluted EPS), a 6.3% increase year-over-year. Gross loans grew 13.2% YoY to $1.46 billion, supporting net interest margin expansion to 4.31%. Full-year 2025 net income was $27.1 million vs. $30.1 million in 2024.

Mission Bank (MSBC) opened a Loan and Deposit Production team in North San Luis Obispo County to expand Central Coast operations on Jan 13, 2026. The team is led by Mark Pearce and includes Relationship Managers Sarah Kramer and Katie Crocker plus Credit Analyst Lauren Pickard, reporting to Ag Division Manager Rob Hallum. The group will focus on building commercial and agricultural relationships and is available to serve customers remotely while a physical office is established. Mission Bank reports $1.9 billion in assets and maintains locations across the Central Valley and Southern California.

Mission Bancorp (OTC Pink: MSBC) announced an extension of its 2022 10b5-1 stock repurchase plan, previously set to expire on October 23, 2025, now extended for six months through April 23, 2026. The plan authorizes repurchases of common stock up to a maximum of $3.0 million. Remaining funds from the prior authorization will be removed from the plan, and the company may suspend or discontinue the plan at any time. Hilltop Securities is acting as the company’s agent to execute purchases under pre-arranged terms. Mission Bancorp reported $2.0 billion in assets and operates Mission Bank plus two subsidiaries, with eight business banking centers in California.

Mission Bancorp (OTC Pink: MSBC) reported record third-quarter 2025 net income available to common shareholders of $8.6 million ($3.05 diluted), up 10.1% year-over-year and up 175.4% versus the linked quarter.

Key balance-sheet moves: gross loans rose 13.8% YoY to $1.42 billion, while total deposits were $1.73 billion (noninterest-bearing deposits $671.3 million, 38.8% of deposits). Management reported annualized noninterest-bearing and total deposit growth of 22% and 25%, respectively. Net interest margin was 4.27%; cost of funds fell and loan yields supported NII. Non-interest income declined 24.8% YoY; non-interest expense fell due to prior quarter non-recurring charges.

Mission Bancorp (OTC Pink: MSBC) reported Q2 2025 net income of $3.1 million ($1.11 per diluted share), down from $7.3 million in Q2 2024. The decrease was attributed to several one-time expenses including higher credit loss provisions, litigation settlement, and costs for a new Westlake Village office.

Despite challenging market conditions, the bank achieved 18% annualized loan growth, with gross loans increasing by $123.7 million YoY to $1.36 billion. Total deposits grew 9.7% YoY to $1.63 billion. Credit quality remained strong with nonaccrual loans at 0.13% of total gross loans. The bank's Community Bank Leverage Ratio stood at 11.43%, and net interest margin was 4.07%.

Mission Bancorp (OTC Pink: MSBC) has announced two significant developments: an extension of its stock repurchase plan and a 5.00% annual stock dividend. The company has extended its Rule 10b5-1 Plan through October 23, 2025, increasing the authorized repurchase amount by $2.0 million to a total of $3.0 million.

Key highlights:

• Stock dividend of 5.00% to be issued on June 2, 2025
• Shareholders of record date: May 19, 2025
• 13,522 shares repurchased at average price of $89.24 since plan inception
• Hilltop Securities serving as company's purchasing agent

Mission Bancorp, with $1.9 billion in assets, operates through Mission Bank and three other subsidiaries, serving major California areas including Bakersfield, Lancaster, San Luis Obispo, Stockton, Ventura, and Visalia through eight Business Banking Centers.

Mission Bancorp (MSBC) reported Q1 2025 net income of $7.2 million ($2.66 per diluted share), compared to $7.3 million in Q1 2024. The company demonstrated strong growth with year-over-year increases in loans (6%) and deposits (17%), reaching $1.30 billion and $1.65 billion respectively.

Net interest income was $17.8 million with a margin of 4.06%. Credit quality remained robust with nonaccrual loans at 0.07% of total gross loans. The Bank's Community Bank Leverage Ratio stood at 11.47%. Notable metrics include noninterest-bearing deposits at $626.7 million (37.9% of total deposits) and an allowance for credit losses at 1.51% of gross loans.

The operating efficiency ratio increased to 47.5% in Q1 2025, while return on average equity decreased to 15.0% from 18.4% year-over-year. Total assets grew 15.1% to $1.89 billion compared to Q1 2024.

Mission Bancorp (MSBC) reported Q4 2024 net income of $7.7 million ($2.85 per diluted share), compared to $7.8 million in Q4 2023. Annual earnings for 2024 reached $30.1 million ($11.27 per diluted share), slightly down from $30.5 million in 2023.

Key financial highlights include: gross loans increased 6.6% to $1.29 billion, total deposits grew 14.8% to $1.65 billion, with noninterest-bearing deposits representing 39.2% of total deposits. The bank maintained strong credit quality with nonaccrual loans at 0.08% of total gross loans.

Net interest margin was 3.96% in Q4 2024, down from 4.58% in Q4 2023, primarily due to declining asset yields and rising cost of interest-bearing liabilities. The Community Bank Leverage Ratio stood at 11.07%, demonstrating solid capital position.

Mission Bank unveils a new logo to conclude its 25th Anniversary Celebration. Under CEO AJ Antongiovanni's leadership since 2011, the bank has demonstrated strong performance, achieving record-breaking net income and deposit growth. The bank has maintained its status as a Super Premier Performing Bank by the Findley Companies for over 20 years.

The refreshed logo, designed by local firms Willis & Williams and Scope Media, aims to blend traditional and modern elements while honoring the bank's heritage. Founded in 1998, Mission Bank has expanded to $1.8B in assets with Business Banking Centers across multiple California locations including Lancaster, Ventura, Bakersfield, Shafter, Visalia, San Luis Obispo, and Stockton.