Mountain Pacific Bank
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Data as of · sourced from FFIEC call reports. How we update
Mountain Pacific Bank is an FDIC-insured commercial bank headquartered in Everett, WA, established in 2006 (FDIC certificate 58341), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $896.4M, up 9.2% from Q2 2025, the 15th largest of 29 banks headquartered in Washington. Its CET1 capital ratio was 13.07% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58341
- Headquarters
- Everett, WA
- Established
- 2006
- Total assets, Q2 2026
- $896.4M
- Assets vs Q2 2025
- +9.2%
- CET1 ratio, Q2 2026
- 13.07%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 125108832
- Holding company
- MOUNTAIN PACIFIC BANCORP, INC.
- Asset rank in state
- 15th of 29 in Washington
Mountain Pacific Bank leans heavily on commercial real estate. Based in Everett, Washington, it had $896 million in assets at June 30, 2026, up 9.2% from a year earlier. It holds commercial real estate loans worth 2.9 times its capital, 2.4 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 2.51% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
The non-owner-occupied commercial real estate book ($204 million) is worsening: 2.67% of it is past due or on nonaccrual, up from 0.14% a year earlier. Net income for the quarter rose 20% from a year earlier, to $3.4 million.
As of June 30, 2026, Mountain Pacific Bank reported a CET1 capital ratio of 13.07%, a return on assets of 1.51%, a nonperforming-loan ratio of 0.67% and a Texas ratio of 4.21%. The figures come from its call report filed with the FFIEC.
Of the 29 banks headquartered in Washington, Mountain Pacific Bank is the 15th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.9% to $896.4M, loans rose 0.7% and deposits rose 3.3%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 27.4% of total loans, ahead of owner-occupied commercial real estate loans at 22.4%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in WA; its Everett office books 52% of its branch deposits. On its Q2 2026 call report, Mountain Pacific Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3732 Broadway, Everett, WA 98201
- County
- Snohomish
- Metro Area
- Seattle-Tacoma-Bellevue, WA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 24, 2006
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 107
- Domestic deposits
- $709.1M
- Allowance for credit losses
- $14.5M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $896.3M
- Average total loans
- $738.5M
- Average interest-bearing deposits
- $597.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 24, 2006
- FDIC Cert
- 58341
- Fed RSSD
- 3459207
- SEC CIK
- 1761172 → filed by MOUNTAIN PACIFIC BANCORP, INC.
- Website
- www.mp.bank →
- Parent Holding Company
- MOUNTAIN PACIFIC BANCORP, INC. (RSSD 5217483)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Mountain Pacific Bank's total assets moved between a low of $647.3M (Q3 2023) and a high of $896.4M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$896.4M total assets against $821.1M; $793.8M total liabilities against $731.7M.
$729.0M net loans and leases against $690.8M; $709.1M total deposits against $655.7M.
$19.4M securities against $20.6M; $116.6M cash and balances due against $77.6M.
$14.5M total interest income against $13.2M; $5.0M total interest expense against $4.9M.
$9.5M net interest income against $8.3M.
$1.4M total noninterest income against $1.0M; $6.2M total noninterest expense against $5.3M.
$400K provision for credit losses against $450K.
$3.4M net income against $2.8M.
1.51% return on assets against 1.40%; 4.39% net interest margin against 4.21%.
13.07% CET1 capital ratio against 12.38%; 11.52% tier 1 leverage ratio against 11.17%.
Inside the full Mountain Pacific Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Mountain Pacific Bank rankings
Its closest position to the top of a national ranking is 1,137 of 4,196, for total assets; its furthest is 1,374 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.25% (Q4 2024) to 1.94% (Q1 2025) and its net interest margin ran from 3.79% (Q4 2024) to 4.73% (Q1 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.07% | 1.51% | 0.67% | 4.21% | 4.39% |
| Q1 2026 | 12.88% | 1.46% | 0.62% | 4.01% | 4.39% |
| Q4 2025 | 13.00% | 1.51% | 1.19% | 7.72% | 4.28% |
| Q3 2025 | 12.74% | 1.65% | 0.76% | 5.03% | 4.28% |
| Q2 2025 | 12.38% | 1.40% | 0.78% | 5.34% | 4.21% |
| Q1 2025 | 12.67% | 1.94% | 0.79% | 5.38% | 4.73% |
| Q4 2024 | 12.42% | 1.25% | 1.08% | 7.40% | 3.79% |
| Q3 2024 | 12.17% | 1.32% | 1.12% | 7.72% | 3.96% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Mountain Pacific Bank (main office) | Everett , WA | 98201 | $365.3M |
| Lynnwood Branch | Lynnwood , WA | 98036 | $165.6M |
| Bellingham Branch | Bellingham , WA | 98226 | $83.8M |
| Burlington Branch | Burlington , WA | 98233 | $60.6M |
| Ballard Branch | Seattle , WA | 98117 | $33.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in WA, rank 30 of 61 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 20 loans, $37.3M approved, $1.9M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Mountain Pacific Bank
What are Mountain Pacific Bank's total assets?
As of the Q2 2026 filing, Mountain Pacific Bank reported total assets of $896.4 million in its FFIEC call report.
Where is Mountain Pacific Bank headquartered?
It is headquartered in Everett, WA, United States.
When was Mountain Pacific Bank founded?
It was established in 2006, per the FDIC institution directory.
Is Mountain Pacific Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58341). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Mountain Pacific Bank?
Mountain Pacific Bank's primary federal regulator is the FDIC.
What is Mountain Pacific Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.07% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Mountain Pacific Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Mountain Pacific Bank's Texas Ratio?
Its Texas Ratio is 4.21% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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