Mountain Pacific Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 20.24 percentage points lower than in Q1 2026, at 286.17%. Among 29 Washington banks, Mountain Pacific Bank sits 3rd from the top on loan-to-deposit ratio, 104.85% as of Q2 2026. Mountain Pacific Bank reported 104.85% on loan-to-deposit ratio for Q2 2026, 23.91 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $743.5M |
| Net loans and leases | $729.0M |
| Loans held for sale | $0 |
| Loans to total assets | 82.94% |
| Loan-to-deposit ratio | 104.85% |
| Net loans to equity capital | 7.10% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 49.82% |
| Multifamily (5+ residential) | 5.77% |
| Commercial and industrial | 9.63% |
| Consumer | 0.07% |
| Credit cards | 0.02% |
| Farm | 0.53% |
| Loans to depository institutions | 0.67% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 286.17% |
| Construction concentration (Tier 1 capital + allowance) | 75.51% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.19% |
| Interest income on loans | $13.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $551.3M | $515.9M | 52.37% | 7.56% | 0.15% |
| Q4 2023 | $558.7M | $536.0M | 51.73% | 7.97% | 0.15% |
| Q1 2024 | $579.6M | $537.5M | 50.93% | 7.96% | 0.20% |
| Q2 2024 | $619.6M | $547.2M | 50.24% | 6.94% | 0.10% |
| Q3 2024 | $628.5M | $622.3M | 50.05% | 7.03% | 0.13% |
| Q4 2024 | $642.8M | $633.9M | 48.51% | 7.91% | 0.11% |
| Q1 2025 | $673.0M | $647.6M | 47.90% | 8.00% | 0.12% |
| Q2 2025 | $703.6M | $655.7M | 50.47% | 7.77% | 0.09% |
| Q3 2025 | $705.2M | $682.3M | 50.00% | 8.51% | 0.09% |
| Q4 2025 | $720.0M | $644.9M | 49.50% | 8.99% | 0.08% |
| Q1 2026 | $738.7M | $686.3M | 50.45% | 9.17% | 0.08% |
| Q2 2026 | $743.5M | $709.1M | 49.82% | 9.63% | 0.07% |
Mountain Pacific Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Mountain Pacific Bank, freeSource: Call Report Schedule RC-C, 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)