MVLY (Mission Valley Bancorp) Effective Interest Rate on Debt % : 33.21% (As of Mar. 2025)

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What is Mission Valley Bancorp Effective Interest Rate on Debt %?

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Mission Valley Bancorp's annualized positive value of Interest Expense for the quarter that ended in Mar. 2025 was $15.20 Mil. Mission Valley Bancorp's average total debt for the quarter that ended in Mar. 2025 was $45.79 Mil. Therefore, Mission Valley Bancorp's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2025 was 33.21%.

Mission Valley Bancorp Effective Interest Rate on Debt % Historical Data

The historical data trend for Mission Valley Bancorp's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Mission Valley Bancorp Effective Interest Rate on Debt % Chart

Mission Valley Bancorp Annual Data

Trend

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Effective Interest Rate on Debt %

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3.57

2.69

8.30

19.57

27.50

Mission Valley Bancorp Quarterly Data
	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25
Effective Interest Rate on Debt %	Get a 7-Day Free Trial															26.24	25.83	26.81	31.54	33.21

Competitive Comparison of Mission Valley Bancorp's Effective Interest Rate on Debt %

For the Banks - Regional subindustry, Mission Valley Bancorp's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Mission Valley Bancorp's Effective Interest Rate on Debt % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Mission Valley Bancorp's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Mission Valley Bancorp's Effective Interest Rate on Debt % falls into.

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Mission Valley Bancorp Effective Interest Rate on Debt % Calculation

Mission Valley Bancorp's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2024 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (A: Dec. 2023 )	+	Total Debt (A: Dec. 2024 ))	/ count )
=	-1 * -15.931	/	( (62.836	+	53.036)	/ 2 )
=	-1 * -15.931	/	57.936
=	27.50 %

where

	Total Debt (A: Dec. 2023 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	62.836	+	0
=	62.836

	Total Debt (A: Dec. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	53.036	+	0
=	53.036

Mission Valley Bancorp's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2025 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (Q: Dec. 2024 )	+	Total Debt (Q: Mar. 2025 ))	/ count )
=	-1 * -15.204	/	( (53.036	+	38.536)	/ 2 )
=	-1 * -15.204	/	45.786
=	33.21 %

where

	Total Debt (Q: Dec. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	53.036	+	0
=	53.036

	Total Debt (Q: Mar. 2025 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	38.536	+	0
=	38.536

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Mar. 2025) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

Mission Valley Bancorp (OTCPK:MVLY) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

Mission Valley Bancorp Effective Interest Rate on Debt % Related Terms

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Mission Valley Bancorp Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Mission Valley Bancorp (OTCPK:MVLY) » Definitions » Effective Interest Rate on Debt %

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Traded in Other Exchanges

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Address

9116 Sunland Boulevard, Sun Valley, CA, USA, 91352

Website

https://www.missionvalleybank.com

Mission Valley Bancorp along with its subsidiaries provides a full range of banking services to individual and corporate customers through the bank. The bank has two branches located in Sun Valley and Valencia, California. It also makes available Online Banking, Business Banking, Loans, and Personal banking for its customers. Also, it has been authorized by the Federal Reserve Bank of San Francisco to engage in lending activities, separate from the bank.