Mountain Pacific Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 3.58 percentage points lower than in Q1 2026, at 120.41%. On loan-to-deposit ratio, Mountain Pacific Bank ranks 3rd highest among the 29 banks headquartered in Washington, at 104.85% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Mountain Pacific Bank sits 24.01 points higher, at 104.85% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $116.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $136.0M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $80.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.92% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.85% |
| Net loans and leases to deposits | 102.81% |
| Loans and leases to core deposits | 120.41% |
| Core deposits to total deposits | 85.67% |
| Brokered deposits to total deposits | 1.41% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 106.86% | 89.26% | $0 | $55.0M |
| Q4 2023 | 104.23% | 84.36% | $0 | $55.0M |
| Q1 2024 | 107.84% | 83.57% | $0 | $55.0M |
| Q2 2024 | 113.25% | 83.18% | $0 | $70.0M |
| Q3 2024 | 101.00% | 78.71% | $0 | $70.0M |
| Q4 2024 | 101.41% | 77.90% | $0 | $80.0M |
| Q1 2025 | 103.92% | 81.02% | $0 | $70.0M |
| Q2 2025 | 107.30% | 81.09% | $0 | $70.0M |
| Q3 2025 | 103.35% | 85.82% | $0 | $80.0M |
| Q4 2025 | 111.64% | 85.44% | $0 | $80.0M |
| Q1 2026 | 107.63% | 82.44% | $0 | $80.0M |
| Q2 2026 | 104.85% | 85.67% | $0 | $80.0M |
Mountain Pacific Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Mountain Pacific Bank, freeSource: Call Report Schedules RC and RC-M, 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)