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Mountain Pacific Bank

Everett, WA · Cert 58341 · Mountain Pacific Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

51

Q2 2024Q2 2026peer median (50)

Asset Quality

57

Q2 2024Q2 2026peer median (50)

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

75

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Mountain Pacific Bank

Everett, WA · Cert 58341 · Mountain Pacific Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$896.4MAssets
$743.5MLoans
$709.1MDeposits
$102.7MEquity
Loan mix
90%RE $646.0M9%C&I $67.7M0%Consumer $0.6MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $574.4M19%Noninterest $134.7MQ2 2025Q2 2026

NIM

6.20%Q2 ’246.77%Q2 ’256.27%Q2 ’26+16%-6%

Non-interest income vs. expense

2.58%Q2 ’242.54%Q2 ’252.58%Q2 ’26-7%-1%

Market Position · Seattle-Tacoma-Bellevue, WA · 2026 SOD (annual) · 0.4% share · #21 of 43 inst. · $0.6B of $143.1B

2.6% Snohomish
1.6% Whatcom
1.9% Skagit
0.0% King

Executive Summary

  • Earnings: ROA of 1.50%, down 14 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 0.67% of loans (-11 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.52%, up 35 bps from a year ago.
  • Funding: loans stand at 104.85% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.50%-14 bps YoY

Net Interest Margin (YTD, annualized)

4.10%-24 bps YoY

Efficiency Ratio (YTD, annualized)

55.68%+294 bps YoY

Tier 1 Leverage Ratio

11.52%+35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.64%1.64%1.62%1.45%1.50%-14 bps
Return on Equity15.46%15.37%14.89%12.56%12.99%-247 bps
Net Interest Margin4.34%4.16%4.10%4.20%4.10%-24 bps
Efficiency Ratio52.74%51.73%52.89%54.54%55.68%+294 bps
Non-Interest Burden2.06%1.90%1.92%2.07%2.05%-2 bps
Growth
Asset Growth (YoY)17.38%10.82%3.09%7.40%9.18%-821 bps
Loan Growth (YoY)13.55%12.20%12.01%9.76%5.67%-787 bps
Deposit Growth (YoY)19.84%9.64%1.74%5.98%8.14%-1,170 bps
Asset Quality
Nonperforming Loans / Loans0.78%0.76%1.19%0.62%0.67%-11 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.81%1.85%1.87%1.90%1.95%+13 bps
Allowance Coverage of NPLs2.3x2.4x1.6x3.1x2.9x+0.6x
Capital
Tier 1 Leverage Ratio11.17%11.15%11.38%11.84%11.52%+35 bps
Total Risk-Based Capital13.64%14.00%14.26%14.13%14.33%+69 bps
Equity / Assets10.89%10.79%11.69%11.41%11.45%+56 bps
Liquidity & Funding
Loans / Deposits107.30%103.35%111.64%107.63%104.85%-245 bps
Liquid Assets / Assets8.66%12.59%7.73%10.37%12.40%+374 bps
CRE / Total Capitaln/a519%501%509%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Mountain Pacific Bank

Everett, WA · Cert 58341 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Mountain Pacific Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$896.4MAssets
$743.5MLoans
$709.1MDeposits
$102.7MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 75% of banks under $1B in assets operating in a single state (rank 190 of 746).
  • Widest gap: nonperforming loans / loans trails 61% of banks under $1B in assets operating in a single state (rank 454 of 743).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.44%

Rank 190 of 746

Net Interest Margin

4.10%

Rank 207 of 746

Efficiency Ratio

55.68%

Rank 186 of 746

Equity / Assets

11.45%

Rank 285 of 746

Non-interest income vs. expense

$4.8M$23.1MINCOMEEXPENSE
Unfavorable gap of $18.3M · efficiency ratio beats 75% of banks under $1B in assets operating in a single state
Bank 55.68%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.44%0.72%1.06%1.45%Beats 75%190 / 746
Return on Equity12.61%6.74%10.51%13.63%Beats 68%242 / 746
Net Interest Margin4.10%3.17%3.68%4.16%Beats 72%207 / 746
Efficiency Ratio55.68%55.74%64.58%75.47%Beats 75%186 / 746
Asset Quality
Nonperforming Loans / Loans0.67%0.09%0.42%1.07%Beats 39%454 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 75%186 / 743
Capital
Tier 1 Capital Ratio13.07%11.55%13.75%17.60%Beats 42%429 / 746
Total Risk-Based Capital Ratio14.33%11.71%14.33%18.43%Beats 50%373 / 746
Equity / Assets11.45%8.90%10.51%13.06%Beats 62%285 / 746
Liquidity & Funding
Loans / Deposits104.85%61.31%78.27%90.78%94th pctl45 / 746
Loans / Assets82.94%53.60%66.97%76.08%91st pctl64 / 746
Brokered Deposits / Depositsn/aNot reported for this institution