Mission Bank Announces Record Earnings of $9.2 Million for Q3 2026

Bakersfield, Calif., October 26, 2026 - Mission Bancorp (“Mission” or the “Company”) (OTC Pink: MSBC), a bank holding company and parent of Mission Bank (the “Bank”), reported unaudited net income available to common shareholders of $9.2 million, or $3.05 per diluted common share, for the third quarter of 2026, compared to net income available to common shareholders of $8.6 million, or $2.90 per diluted common share, for the third quarter of 2025, and net income available to common shareholders of $8.2 million, or $2.74 per diluted common share, for the linked quarter.

“We are proud to report record earnings of $9.2 million for the third quarter as well as annualized total deposit growth of 14% and over $107 million in loan growth year over year." said Mission Bank President and CEO AJ Antongiovanni.  "These results can be attributed to the strength of our team and the deep, personal relationships we have built with our customers.  Over the last couple quarters, we have increased our presence in existing markets and opened a new office in the Fresno market, which is driving growth. Our success is directly tied to the depositors and borrowers who come to Mission seeking a relationship where bankers are knowledgeable and local.  Looking forward, the impacts of rising inflation and interest rates could contribute to an economic slowdown. However, we proceed with confidence in the strength of our team and balance sheet. We are well positioned to navigate the financial headwinds that could impact the broader market."

Third Quarter 2026 Financial Highlights

• Total deposits increased by $84.9 million, or 4.9%, to $1.81 billion as of September 30, 2026, compared to $1.73 billion a year earlier, and increased by $62.7 million, or 3.6%, from $1.75 billion as of June 30, 2026. Non-interest-bearing deposits were $701.7 million and represent 38.7% of total deposits as of September 30, 2026.

• The allowance for credit losses (“ACL”) as a percentage of gross loans rose from 1.37% as of June 30, 2026, to 1.38% as of September 30, 2026.

• Credit quality remains strong with nonaccrual loans representing 0.06% of total gross loans as of September 30, 2026, up from 0.02% as of June 30, 2026.

• The Community Bank Leverage Ratio for the Bank as of September 30, 2026, was 12.22%, compared to 11.29% as of September 30, 2025.