Mountain Pacific Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Mountain Pacific Bank of Everett, WA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.51% | 1.35% | +0.16% | 64th above |
| ROAE | 13.42% | 12.05% | +1.37% | 56th above |
| Net Interest Margin | 4.39% | 3.90% | +0.49% | 75th top |
| Efficiency Ratio | 56.66% | 63.15% | -6.49% | 64th above |
| PPNR / Avg Assets | 2.09% | 1.64% | +0.45% | 76th top |
| Yield on Earning Assets | 6.73% | 5.65% | +1.08% | 92nd top |
| Cost of Funds | 2.51% | 1.85% | +0.66% | 15th bottom |
| Net Interest Spread | 3.63% | 3.35% | +0.28% | 66th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.83% | 0.92% | -0.09% | 32nd below |
| NPA / Total Assets | 0.69% | 0.67% | +0.02% | 30th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 51st above |
| ACL / Total Loans | 1.95% | 1.28% | +0.67% | 93rd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 234.29% | 1645.74% | -1411.45% | 53rd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.25% | 7.15% | -1.90% | 39th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.07% | 20.83% | -7.76% | 29th below |
| Tier 1 Ratio | 13.07% | 20.87% | -7.80% | 29th below |
| Total Capital Ratio | 14.33% | 21.94% | -7.61% | 30th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.52% | 12.46% | -0.94% | 58th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.45% | 11.67% | -0.22% | 65th above |
| TCE / Tangible Assets | 11.49% | 11.40% | +0.09% | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 104.85% | 78.63% | +26.22% | 7th bottom |
| Core Deposit Ratio | 85.67% | 87.09% | -1.42% | 33rd below |
| Wholesale Funding Ratio | 8.92% | 5.11% | +3.81% | 17th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.18% | 6.47% | +2.71% | 80th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.67% | 7.64% | -1.97% | 52nd above |
| Deposit Growth (Y/Y) | 8.14% | 6.02% | +2.12% | 76th top |
See Mountain Pacific Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Mountain Pacific Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Mountain Pacific Bank profile, how to read a UBPR, or how this data updates.