BlastPoint's Banking Scorecard

Mountain Pacific Bank

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

Everett, WA

6 branches across WA

2664 banks in the $100M-$1B peer group nationally 10 in WA

Mountain Pacific Bank has 4 strengths but faces 4 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 0.18% above tier average
+ Net Interest Margin 0.44% above tier average
+ Efficiency Ratio 10.75% below tier average
+ Delinquency Rate 0.26% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 9.5% in tier
- Margin Compression: Bottom 36.1% in tier
- NIB Deposit Bleed: Bottom 59.1% in tier
- Loan-to-Deposit Ratio 28.94% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Total Assets ?	$871.5M +7.4% YoY +5.3% QoQ	+$485.4M	$386.1M +0.5% YoY	$3.1B +4.0% YoY	$6.2B +9.1% YoY	Top 5.0% in tier
Total Loans ?	$724.6M +9.7% YoY +2.6% QoQ	+$468.9M	$255.7M +1.1% YoY	$2.2B +2.0% YoY	$3.2B +10.8% YoY	Top 1.7% in tier
Total Deposits ?	$686.3M +6.0% YoY +6.4% QoQ	+$358.3M	$328.0M +0.1% YoY	$2.5B +4.5% YoY	$4.8B +8.2% YoY	Top 7.8% in tier
Return on Assets ?	1.45% -23.3% YoY -10.3% QoQ	+0.18%	1.27% +12.9% YoY	0.33% -42.8% YoY	1.23% +13.4% YoY	65%
Net Interest Margin ?	4.37% -8.7% YoY -1.8% QoQ	+0.44%	3.93% +6.0% YoY	3.69% +1.2% YoY	3.89% +5.7% YoY	77%
Efficiency Ratio ?	54.54% +11.1% YoY +3.1% QoQ	-10.75%	65.29% -4.5% YoY	71.09% -8.1% YoY	66.95% -4.1% YoY	75%
Delinquency Rate ?	0.63% -21.5% YoY -47.9% QoQ	-0.26%	0.89% +18.8% YoY	1.35% +102.7% YoY	0.95% +18.8% YoY	39%
Loan-to-Deposit Ratio ?	105.58% +3.5% YoY -3.6% QoQ	+28.94%	76.64% +0.8% YoY	81.10% -2.4% YoY	76.70% +0.9% YoY	Bottom 4.6% in tier
Non-Interest-Bearing Deposit Share ?	17.28% -15.7% YoY -6.0% QoQ	-4.74%	22.02% -1.0% YoY	25.15% +1.1% YoY	22.01% -1.2% YoY	33%
Nonperforming Asset Ratio ?	0.52% -19.9% YoY -49.2% QoQ	-0.11%	0.64% +19.7% YoY	0.95% +54.5% YoY	0.67% +19.3% YoY	36%
Tier 1 Capital Ratio ?	12.88% +1.6% YoY -0.9% QoQ	-2.95%	15.83% +1.5% YoY	13.58% +1.6% YoY	17.06% +0.8% YoY	46%
Non-Interest Income / Assets ?	0.12% +9.3% YoY -78.7% QoQ	-0.16%	0.28% +9.3% YoY	0.20% +3.0% YoY	0.32% +4.1% YoY	61%

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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 (3)

Cost Spiral

risk

#13 of 126 • Bottom 9.5% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 54.54%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

Margin Compression

decline

#111 of 305 • Bottom 36.1% 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: 1.45%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

NIB Deposit Bleed

decline

#118 of 198 • Bottom 59.1% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 17.28%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Total Loans

size

Value: $724.59M

Peer Median: $255.72M

#46 of 2664 Top 1.7% in $100M-$1B

133

Total Assets

size

Value: $871.51M

Peer Median: $386.08M

#133 of 2664 Top 5.0% in $100M-$1B

209

Total Deposits

size

Value: $686.29M

Peer Median: $327.97M

#209 of 2664 Top 7.8% in $100M-$1B

617

Net Interest Margin

profitability

Value: 4.37%

Peer Median: 3.93%

#617 of 2664 Top 23.1% in $100M-$1B

Top Weaknesses (1 metrics)

2542

Loan-to-Deposit Ratio

liquidity

Value: 105.58%

Peer Median: 76.64%

#2542 of 2664 Bottom 4.6% in $100M-$1B