How profitable a bank is affects its long-term survivability. A bank can retain its earnings, increasing its capital cushion, or use them to deal with problematic loans, likely making the bank more resilient in times of trouble. Obviously, banks that are losing money have less ability to do those things.
On Bankrate's test of earnings, Mountain View Bank of Commerce scored 6 out of a possible 30, coming in below the national average of 15.12.
One important measure of a bank's earnings is return on equity, or net income (profit, basically) divided by total equity. Mountain View Bank of Commerce's most recent annualized quarterly return on equity was 2.56 percent, below the national average of 8.10 percent.
The bank reported net income of $234,000 on total equity of $9.6 million for the twelve months ended December 31, 2017. The bank reported an annualized return on average assets, or ROA, of 0.24 percent, below the 1 percent deemed satisfactory in accordance with industry standards and below the average for U.S. banks of 1.00 percent.