Everett, WA · Cert 58341 · Mountain Pacific Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
51
Asset Quality
57
Profitability
72
Liquidity
0
Efficiency
75
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.
Everett, WA · Cert 58341 · Mountain Pacific Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Seattle-Tacoma-Bellevue, WA · 2026 SOD (annual) · 0.4% share · #21 of 43 inst. · $0.6B of $143.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.14% | 1.89% | 1.64% | 1.64% | 1.62% | 1.45% | 1.50% | -14 bps | |
| Return on Equity | 10.21% | 10.70% | 18.09% | 15.46% | 15.37% | 14.89% | 12.56% | 12.99% | -247 bps | |
| Net Interest Margin | 3.61% | 3.49% | 4.68% | 4.34% | 4.16% | 4.10% | 4.20% | 4.10% | -24 bps | |
| Efficiency Ratio | 60.98% | 59.91% | 49.07% | 52.74% | 51.73% | 52.89% | 54.54% | 55.68% | +294 bps | |
| Non-Interest Burden | 2.01% | 1.90% | 2.07% | 2.06% | 1.90% | 1.92% | 2.07% | 2.05% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.15% | 19.50% | 20.39% | 17.38% | 10.82% | 3.09% | 7.40% | 9.18% | -821 bps | |
| Loan Growth (YoY) | 14.00% | 15.05% | 16.11% | 13.55% | 12.20% | 12.01% | 9.76% | 5.67% | -787 bps | |
| Deposit Growth (YoY) | 20.62% | 18.26% | 20.49% | 19.84% | 9.64% | 1.74% | 5.98% | 8.14% | -1,170 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.12% | 1.08% | 0.79% | 0.78% | 0.76% | 1.19% | 0.62% | 0.67% | -11 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.80% | 1.82% | 1.83% | 1.81% | 1.85% | 1.87% | 1.90% | 1.95% | +13 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.7x | 2.3x | 2.3x | 2.4x | 1.6x | 3.1x | 2.9x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.89% | 10.62% | 11.10% | 11.17% | 11.15% | 11.38% | 11.84% | 11.52% | +35 bps | |
| Total Risk-Based Capital | 13.42% | 13.68% | 13.93% | 13.64% | 14.00% | 14.26% | 14.13% | 14.33% | +69 bps | |
| Equity / Assets | 10.27% | 10.25% | 10.65% | 10.89% | 10.79% | 11.69% | 11.41% | 11.45% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.00% | 101.41% | 103.92% | 107.30% | 103.35% | 111.64% | 107.63% | 104.85% | -245 bps | |
| Liquid Assets / Assets | 12.95% | 14.28% | 11.52% | 8.66% | 12.59% | 7.73% | 10.37% | 12.40% | +374 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 519% | 501% | 509% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.44% | 0.72% | 1.06% | 1.45% | Beats 75% | 190 / 746 | ||
| Return on Equity | 12.61% | 6.74% | 10.51% | 13.63% | Beats 68% | 242 / 746 | ||
| Net Interest Margin | 4.10% | 3.17% | 3.68% | 4.16% | Beats 72% | 207 / 746 | ||
| Efficiency Ratio | 55.68% | 55.74% | 64.58% | 75.47% | Beats 75% | 186 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.67% | 0.09% | 0.42% | 1.07% | Beats 39% | 454 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 75% | 186 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.07% | 11.55% | 13.75% | 17.60% | Beats 42% | 429 / 746 | ||
| Total Risk-Based Capital Ratio | 14.33% | 11.71% | 14.33% | 18.43% | Beats 50% | 373 / 746 | ||
| Equity / Assets | 11.45% | 8.90% | 10.51% | 13.06% | Beats 62% | 285 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 104.85% | 61.31% | 78.27% | 90.78% | 94th pctl | 45 / 746 | ||
| Loans / Assets | 82.94% | 53.60% | 66.97% | 76.08% | 91st pctl | 64 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||