Mountain Pacific Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 72.38 percentage points in Q2 2026, from 306.67% to 234.29%. It was the largest change from Q1 2026 among the key lines here. Within Washington, Mountain Pacific Bank is 5th of 29 on return on assets, 1.51% as of Q2 2026, above the middle of the field. Mountain Pacific Bank reported 1.51% on return on assets for Q2 2026, 0.26 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.07% |
| Tier 1 risk-based capital ratio | 13.07% |
| Total risk-based capital ratio | 14.33% |
| Tier 1 leverage ratio | 11.52% |
| Equity capital to assets | 11.45% |
| Tangible equity to tangible assets | 11.49% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.83% |
| Non-performing assets ratio | 0.69% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.25% |
| Allowance for credit losses to loans | 1.95% |
| Reserve coverage of non-performing loans | 234.29% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.51% |
| Return on equity | 13.42% |
| Net interest margin | 4.39% |
| Efficiency ratio | 56.66% |
| Yield on earning assets | 6.73% |
| Cost of funds | 2.51% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.85% |
| Core deposits to total deposits | 85.67% |
| Brokered deposits to total deposits | 1.41% |
| Deposits to assets | 79.10% |
| Securities to assets | 2.16% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.28% | 12.28% | 13.54% | 11.37% | 1.92% |
| Q4 2023 | 12.44% | 12.44% | 13.69% | 11.24% | 1.47% |
| Q1 2024 | 12.16% | 12.16% | 13.42% | 11.25% | 0.80% |
| Q2 2024 | 11.64% | 11.64% | 12.90% | 11.26% | 1.18% |
| Q3 2024 | 12.17% | 12.17% | 13.42% | 10.89% | 1.32% |
| Q4 2024 | 12.42% | 12.42% | 13.68% | 10.62% | 1.25% |
| Q1 2025 | 12.67% | 12.67% | 13.93% | 11.10% | 1.94% |
| Q2 2025 | 12.38% | 12.38% | 13.64% | 11.17% | 1.40% |
| Q3 2025 | 12.74% | 12.74% | 14.00% | 11.15% | 1.65% |
| Q4 2025 | 13.00% | 13.00% | 14.26% | 11.38% | 1.51% |
| Q1 2026 | 12.88% | 12.88% | 14.13% | 11.84% | 1.46% |
| Q2 2026 | 13.07% | 13.07% | 14.33% | 11.52% | 1.51% |
Mountain Pacific Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mountain Pacific Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)