BlastPoint's Banking Scorecard

Mountain Pacific Bank

$100M-$1B Specialty: Commercial WA FDIC cert 58341

Everett, WA

6 branches across WA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 10 in WA.
Deposits +8.1% year over year ($709.1M on the books).
Delinquency rate 0.68%.
Return on assets 1.50%.
Efficiency ratio 55.68% vs a 64.48% peer average.
Loan-to-deposit ratio 102.81% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 10 in WA

View $100M-$1B leaderboard (WA) →

Mountain Pacific Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.17% above tier average
+ Net Interest Margin 0.45% above tier average
+ Efficiency Ratio 8.80% below tier average
+ Delinquency Rate 0.24% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 72.6% in tier
- Loan-to-Deposit Ratio 24.86% above tier average

Get updates when Mountain Pacific Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Total Assets ?	$896.4M +9.2% YoY +2.9% QoQ	+$509.9M	$386.6M +1.2% YoY	$3.2B +7.3% YoY	$6.3B +7.7% YoY	Top 3.8% in tier
Total Loans ?	$729.0M +5.5% YoY +0.6% QoQ	+$470.7M	$258.3M +1.7% YoY	$2.3B +6.2% YoY	$3.2B +9.4% YoY	Top 1.6% in tier
Total Deposits ?	$709.1M +8.1% YoY +3.3% QoQ	+$382.3M	$326.7M +0.7% YoY	$2.6B +6.6% YoY	$4.9B +7.3% YoY	Top 6.2% in tier
Return on Assets ?	1.50% -8.7% YoY +3.1% QoQ	+0.17%	1.32% +10.8% YoY	0.49% -20.7% YoY	1.30% +12.1% YoY	65%
Net Interest Margin ?	4.44% -1.9% YoY +1.4% QoQ	+0.45%	3.99% +5.0% YoY	3.77% +1.0% YoY	3.95% +4.9% YoY	77%
Efficiency Ratio ?	55.68% +5.6% YoY +2.1% QoQ	-8.80%	64.48% -3.2% YoY	77.86% +4.3% YoY	70.05% +2.5% YoY	70%
Delinquency Rate ?	0.68% -14.0% YoY +7.7% QoQ	-0.24%	0.92% +15.7% YoY	2.42% +282.9% YoY	0.98% +16.3% YoY	39%
Loan-to-Deposit Ratio ?	102.81% -2.4% YoY -2.6% QoQ	+24.86%	77.95% +1.0% YoY	82.67% -3.3% YoY	79.03% +2.3% YoY	Bottom 7.2% in tier
Non-Interest-Bearing Deposit Share ?	18.99% -7.2% YoY +9.9% QoQ	-3.04%	22.03% -0.6% YoY	25.26% +1.1% YoY	21.98% -0.6% YoY	41%
Nonperforming Asset Ratio ?	0.55% -16.9% YoY +5.3% QoQ	-0.12%	0.67% +16.4% YoY	1.67% +187.6% YoY	0.69% +15.8% YoY	37%
Tier 1 Capital Ratio ?	13.07% +5.5% YoY +1.5% QoQ	-2.84%	15.91% +1.4% YoY	12.96% -1.6% YoY	17.09% +0.8% YoY	49%
Non-Interest Income / Assets ?	0.27% +13.9% YoY +126.9% QoQ	-0.30%	0.57% +7.6% YoY	0.42% +15.9% YoY	0.66% +5.2% YoY	66%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Noninterest-Bearing	19.0% -1.5pp YoY +1.7pp QoQ	-3.2pp	22.1%	25.3%	22.2%	40%
Brokered Deposits	1.4% -2.3pp YoY -3.0pp QoQ	-6.4pp	7.9%	8.9%	8.5%	24%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
C&I	9.8% +1.9pp YoY +0.5pp QoQ	-1.7pp	11.6%	10.5%	12.5%	52%
CRE	68.9% -1.7pp YoY -1.4pp QoQ	+29.3pp	39.5%	50.6%	41.4%	92%
1-4 Family	18.8% +0.7pp YoY +0.4pp QoQ	-13.9pp	32.6%	30.1%	31.3%	27%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.0pp	4.1%	7.9%	5.0%	4%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
CET1 Ratio	13.1% +0.7pp YoY +0.2pp QoQ	-5.8pp	18.8%	12.7%	19.7%	29%
Leverage Ratio	11.5% +0.3pp YoY -0.3pp QoQ	-0.7pp	12.2%	10.7%	12.6%	58%
Total Capital Ratio	14.3% +0.7pp YoY +0.2pp QoQ	-5.6pp	19.9%	13.8%	20.8%	30%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Full-Time Employees	107 +6 (+5.9%) YoY +3 (+2.9%) QoQ	+48	58	343	482	89%
Assets per Employee ($)	$8.4M +3.1% YoY 0.0% QoQ	+$860K	$7.5M	$8.5M	$8.8M	72%
Branch Count	6 0 YoY 0 QoQ	+1	4	24	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.7% -0.1pp YoY 0.0pp QoQ	-0.3pp	0.9%	2.6%	1.0%	61%
Allowance Coverage	2.92x +24.8% YoY -5.1% QoQ	-21.23x	24.15x	4.50x	20.23x	58%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.4%	0.2%	28%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
ROE	13.0% -2.5pp YoY +0.4pp QoQ	+0.8pp	12.2%	-2.7%	11.6%	56%
Cost of Funds (YTD)	2.4% -0.2pp YoY 0.0pp QoQ	+0.6pp	1.7%	1.8%	1.7%	86%
Net Income ($, YTD)	$6.5M -2.7% YoY — QoQ	+$3.9M	$2.6M	$14.3M	$40.4M	94%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Margin Compression

decline

#224 of 307 • Bottom 72.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.50%

(Tier: 1.32%, National: 1.30%)

better than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Total Loans

size

Value: $729.01M

Peer Median: $258.35M

#42 of 2643 Top 1.6% in $100M-$1B

102

Total Assets

size

Value: $896.43M

Peer Median: $386.57M

#102 of 2643 Top 3.8% in $100M-$1B

164

Total Deposits

size

Value: $709.07M

Peer Median: $326.73M

#164 of 2643 Top 6.2% in $100M-$1B

614

Net Interest Margin

profitability

Value: 4.44%

Peer Median: 3.99%

#614 of 2643 Top 23.2% in $100M-$1B

Top Weaknesses (1 metrics)

2455

Loan-to-Deposit Ratio

liquidity

Value: 102.81%

Peer Median: 77.95%

#2455 of 2643 Bottom 7.2% in $100M-$1B