Mountain Pacific Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Total interest expense: 7.5% higher than in Q1 2026, at $5.0M. Within Washington, Mountain Pacific Bank is 7th of 29 on net interest margin, 4.39% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Mountain Pacific Bank sits 0.44 points higher, at 4.39% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.73% |
| Yield on loans | 7.19% |
| Yield on securities | 3.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.51% |
| Cost of interest-bearing deposits | 2.96% |
| Cost of interest-bearing liabilities | 3.10% |
| Cost of borrowings | 4.08% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.39% |
| Yield to cost spread | 3.63% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.3M |
| Total interest expense | $5.0M |
| Interest expense on deposits | $4.2M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.25% | 2.54% | 4.08% | 6.46% | 2.86% |
| Q4 2023 | 6.40% | 2.84% | 4.02% | 6.64% | 2.90% |
| Q1 2024 | 6.28% | 2.81% | 3.79% | 6.47% | 2.80% |
| Q2 2024 | 6.69% | 3.00% | 4.04% | 6.91% | 3.13% |
| Q3 2024 | 6.73% | 3.16% | 3.96% | 7.01% | 2.89% |
| Q4 2024 | 6.53% | 3.26% | 3.79% | 6.93% | 2.96% |
| Q1 2025 | 7.24% | 2.90% | 4.73% | 7.85% | 2.94% |
| Q2 2025 | 6.71% | 2.99% | 4.21% | 7.06% | 2.92% |
| Q3 2025 | 6.70% | 2.92% | 4.28% | 7.11% | 2.96% |
| Q4 2025 | 6.71% | 2.74% | 4.28% | 7.13% | 3.10% |
| Q1 2026 | 6.71% | 2.31% | 4.39% | 7.03% | 2.99% |
| Q2 2026 | 6.73% | 2.51% | 4.39% | 7.19% | 3.00% |
Mountain Pacific Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mountain Pacific Bank, freeSource: Call Report Schedules RI and RC-K, 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)