Mission Valley Bank

What Mission Valley Bank does

Mission Valley Bank is a publicly traded community bank (OTCQX: MVLY) headquartered in Sun Valley, California, operating four branches across Southern California in Santa Clarita, Sun Valley, Burbank, and Arcadia. Founded in 2001 and designated as a Community Development Financial Institution (CDFI) by the U.S. Treasury since 2006, the bank primarily targets small and medium-sized businesses, entrepreneurs, nonprofits, and niche regulated industries — notably cannabis operators and card rooms. It has earned repeated Bank Enterprise Awards from the U.S. Treasury for lending to distressed businesses, and it received approximately $5 million from the CDFI Equitable Recovery Program in 2023.

The bank's product surface is anchored in business banking — checking, savings, lending solutions (term loans, lines of credit, SBA loans), accounts receivable financing, merchant services, treasury management, and card services. A contactless Mastercard Business Debit Card was launched in December 2025. Distribution combines branch-based relationship banking with online banking, iOS/Android mobile apps, and AllPoint ATM access (with up to $20 monthly ATM fee reimbursements). The bank is deploying AI agents for risk, compliance, fraud detection, and transaction monitoring, and publicly shared these deployment lessons at the Creatio No-Code Days Florida conference in 2026.

Revenue is generated predominantly through net interest income on its $626.1M gross loan portfolio (Q1 2026), supplemented by transaction fees from merchant services, treasury management, and card services. At Q1 2026, total assets were $773.8M and deposits were $635.5M (year-end 2025, up 15.26% YoY). Full-year 2025 net income reached $8.0M (up 29% YoY) on a 12.54% ROE, and the bank has declared a fifth consecutive annual cash dividend of $0.15 per share for 2026. The bank received a BauerFinancial 5-Star rating in 2024 and an FDIC Community Reinvestment Act performance evaluation in October 2023.

Name

Mission Valley Bank

Legal name

Mission Valley Bank

Website

https://missionvalleybank.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

51–100 employees

Short description

Mission Valley Bank is a CDFI-designated community bank operating four Southern California branches (Santa Clarita, Sun Valley, Burbank, Arcadia), serving SMBs, entrepreneurs, nonprofits, and niche industries including cannabis and card rooms with business banking, SBA lending, AR financing, treasury management, and merchant services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

Keywords

• Community banking
• SBA lending
• Cannabis banking
• Merchant services
• Treasury management

Headquarters

HQ city

Sun Valley

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Net Interest Income: Interest income from lending activities including commercial loans, SBA loans, and consumer loans, offset by interest paid on deposits.
2. Fee-Based Banking Services: Revenue from merchant services, treasury management fees, card services, accounts receivable financing fees, and branch service charges.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Mission Valley Bank is a California-chartered community bank that delivers business and personal banking products through four branches in Southern California. Core offerings include business checking and savings, SBA loans, accounts receivable financing, merchant services, treasury management, and specialized banking services for cannabis businesses and card room operators. The bank complements its physical branches with online and mobile banking and AllPoint ATM access.

Product overview

Mission Valley Bank is a community bank offering a comprehensive suite of banking products and services primarily focused on business banking. The core offering includes business checking and savings accounts, various lending solutions (term loans, lines of credit, SBA loans), accounts receivable financing, merchant services, and treasury management. The bank differentiates with specialized services including Cannabis Banking and Card Room Banking. Digital banking is supported through online banking platforms and mobile apps, with physical presence through four California branches (Santa Clarita, Sun Valley, Burbank, Arcadia). In late 2025, the bank launched a new Mastercard Business Debit Card with contactless technology. The bank has also been developing AI capabilities for risk management, compliance, fraud detection, and transaction monitoring.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Banking Full-service business banking suite including checking, savings, lending, and treasury products designed for small and mid-sized businesses.
• Checking Accounts Checking account products with online banking access for businesses and individuals to manage deposits, payments, and cash flow.
• Savings Accounts Savings account products to help businesses and individuals grow deposits and earn interest.
• Accounts Receivable Financing AR financing solutions that enable businesses to leverage their receivables for working capital and cash flow management.
• Lending Solutions Comprehensive lending products including term loans and lines of credit supporting business growth.
• Small Business Administration (SBA) Loans Government-backed SBA loan programs providing financing options for small businesses that may not qualify for conventional lending.
• Mastercard Business Debit Card Contactless Mastercard Business Debit Card with dual interface technology designed for business professionals, entrepreneurs, and nonprofits to make secure transactions and monitor activity in real time.
• Merchant Services Merchant bankcard processing services that enable businesses to accept card payments from customers.
• Treasury Management Cash management and treasury solutions helping businesses optimize financial operations and payment processing.
• Personal Banking Personal banking products including checking, savings, and credit cards for individual consumers.
• Cannabis Banking Specialized banking services including cannabis business loans and financing solutions tailored to cannabis-related businesses in legal markets, with dedicated fee schedules.
• Card Room Banking Banking services tailored for card room businesses and gaming-related operations.
• Online Banking Digital banking platform providing 24/7 account access for personal, small business, and corporate clients using highest-level encryption and authentication.
• ATM Services Fee-free ATM access to any ATM nationwide through the AllPoint network, with up to $20 in ATM fee reimbursements per statement cycle for Mission Valley Bank debit cardholders.

Segments5 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability3 records

Feature1 record

Partnerships

19 partnerships are on record, tiered core and minor.

• TMC Community CapitalcoreStrategic or Co-development Partner · 10 April 2023CDFI partnership through which Mission Valley Bank connects clients with capital resources when conventional lending paths are not suitable. Part of the bank's CDFI Advocacy commitment to supporting small business access to capital.
• Pacific Community FundcoreStrategic or Co-development PartnerCDFI partner organization helping Mission Valley Bank connect clients with capital resources beyond traditional loan products.
• AltCapcoreStrategic or Co-development PartnerCDFI partner that works with Mission Valley Bank to provide access to capital for underserved businesses and communities.
• Boys and Girls Club of Santa Clarita ValleyminorOthersCommunity nonprofit supported through Mission Valley Bank's 'Live Local | Give Local' initiative. The bank provides charitable giving and volunteer support.
• Santa Clarita Valley Family YMCAminorOthersNonprofit partner supported through the Live Local | Give Local initiative with charitable giving and community sponsorship.
• Boys & Girls Club of the San Fernando Valley/PacoimaminorOthersNonprofit community partner supported through Live Local | Give Local initiative.
• Samuel Dixon Family Health CentersminorOthersCommunity nonprofit supported through Live Local | Give Local initiative.
• Carousel RanchminorOthersNonprofit organization benefiting from Mission Valley Bank's community giving programs.
• College of the Canyons FoundationminorOthersEducational foundation supported through charitable giving and community investment.
• Meeting Each with Dignity (MEND)minorOthersNonprofit poverty assistance organization supported through Live Local | Give Local initiative.
• Theodore Payne FoundationminorOthersCommunity nonprofit supported through Live Local | Give Local initiative.
• Shadow Hills Riding ClubminorOthersCommunity organization supported through Live Local | Give Local initiative.
• Santa Clarita Food PantryminorOthersFood security nonprofit supported through charitable giving initiatives.
• Hope of the ValleyminorOthersCommunity nonprofit supported through Mission Valley Bank's charitable giving program.
• Hollywood Community HousingminorOthersAffordable housing nonprofit supported through Mission Valley Bank's community investment.
• New Economics for WomenminorOthersWomen's economic empowerment nonprofit supported through charitable giving.
• Valley Economic AllianceminorOthersEconomic development organization supported through community investment.
• Women's Economic Business CenterminorOthersWomen's business development nonprofit supported through Mission Valley Bank's community programs.
• ENRICH ProgramcoreStrategic or Co-development PartnerENRICH (Enrich.org) is a financial wellness and education platform partnered with Mission Valley Bank to provide financial literacy resources to the community.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Regional players

• Bank of Marin Bancorp: Northern California community bank holding company (NASDAQ: BMRC) with a relationship-based SMB banking model. Comparable community-bank economics though serving different geography.
• Heritage Commerce Corp: Holding company for Heritage Bank of Commerce (NASDAQ: HTBK), a California community bank focused on SMBs. Comparable business banking model though larger and Northern California anchored.

Direct peers

• First Foundation Inc. Southern California-based bank holding company (NASDAQ: FFWM) serving SMBs and consumers across the region. Comparable deposit-gathering franchise and relationship-banking model.
• CVB Financial Corp: Holding company for Citizens Business Bank (NASDAQ: CVBF), a California-based community bank serving SMBs. Closely comparable business banking franchise and California market overlap.
• C3bank (formerly CommerceWest Bank): California community bank notable for serving cannabis and other niche/underserved industries. Closest peer to Mission Valley Bank's cannabis banking specialization.
• Pacific City Bank: LA-area community bank with strong Korean-American and small business banking franchise. Comparable size, regional focus and SMB specialty.
• Preferred Bank: Los Angeles-based community bank (NASDAQ: PFBC) with a comparable California SMB and professional-banking focus. Similar asset size and public-market trading profile make it the closest direct peer to Mission Valley Bank.
• Bank of Southern California, NA: Southern California community bank with branches across LA, Orange County and the Inland Empire. Directly comparable footprint, SMB lending focus, and community-bank operating model.

Broad incumbents

• East West Bank: Large California-headquartered bank (NASDAQ: EWBC) with deep SMB and multicultural banking franchise. Overlaps Mission Valley Bank's Southern California SMB market but operates at materially larger scale.
• Banc of California: California-focused commercial bank (NYSE: BANC) serving businesses and consumers across Southern California. Comparable regional focus and SMB orientation but at significantly larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/m_v_bank
• YouTubeyoutube.com/channel/UCdpZDz57tQmKuQBz-dQ5b9A
• Facebookfacebook.com/MissionValleyBank
• LinkedInlinkedin.com/company/542589/admin/feed/posts
• Instagraminstagram.com/missionvalleybank
• TikToktiktok.com/@missionvalleybank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Mission Valley Bank