Mountain Pacific Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 10.3% higher than in Q1 2026, at -$1.0M. Mountain Pacific Bank ranks 8th of 21 Washington banks on CET1 ratio, in the upper half at 13.07% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Mountain Pacific Bank sits 2.00 points lower, at 13.07% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.07% |
| Tier 1 risk-based capital ratio | 13.07% |
| Total risk-based capital ratio | 14.33% |
| Tier 1 leverage ratio | 11.52% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $103.2M |
| Tier 1 capital | $103.2M |
| Total risk-based capital | $113.1M |
| Total equity capital | $102.7M |
| Risk-weighted assets | $789.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.45% |
| Tangible equity to tangible assets | 11.49% |
| Equity capital to average assets | 11.45% |
| Internal capital growth rate | 11.63% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $45.3M |
| Retained earnings | $58.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.28% | 12.28% | 13.54% | 11.37% | $589.4M |
| Q4 2023 | 12.44% | 12.44% | 13.69% | 11.24% | $602.2M |
| Q1 2024 | 12.16% | 12.16% | 13.42% | 11.25% | $626.5M |
| Q2 2024 | 11.64% | 11.64% | 12.90% | 11.26% | $671.6M |
| Q3 2024 | 12.17% | 12.17% | 13.42% | 10.89% | $666.2M |
| Q4 2024 | 12.42% | 12.42% | 13.68% | 10.62% | $671.4M |
| Q1 2025 | 12.67% | 12.67% | 13.93% | 11.10% | $689.6M |
| Q2 2025 | 12.38% | 12.38% | 13.64% | 11.17% | $727.8M |
| Q3 2025 | 12.74% | 12.74% | 14.00% | 11.15% | $734.3M |
| Q4 2025 | 13.00% | 13.00% | 14.26% | 11.38% | $748.1M |
| Q1 2026 | 12.88% | 12.88% | 14.13% | 11.84% | $777.5M |
| Q2 2026 | 13.07% | 13.07% | 14.33% | 11.52% | $789.4M |
Mountain Pacific Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Mountain Pacific Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Mountain Pacific Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58341) · FFIEC NIC profile (RSSD 3459207)