BlastPoint's Banking Scorecard
Mountain Pacific Bank
Community
Specialty: Commercial
WA
FDIC cert 58341
Everett, WA
1484
banks in Community tier nationally
15 in WA
View Community leaderboard (WA) →
Mountain Pacific Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 32% in Community
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 26.49% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$827.9M
+3.1% YoY
-3.9% QoQ
|
-$563.6M |
$1.4B
+2.0% YoY
|
$3.0B
+0.9% YoY
|
$5.9B
+6.5% YoY
|
37% |
| Total Loans ? |
$706.5M
+11.9% YoY
+2.1% QoQ
|
-$268.9M |
$975.5M
+2.4% YoY
|
$2.1B
+0.7% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$644.9M
+1.7% YoY
-5.5% QoQ
|
-$519.7M |
$1.2B
+1.7% YoY
|
$2.5B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
1.62%
+41.3% YoY
-1.2% QoQ
|
+0.45% |
1.16%
+17.2% YoY
|
0.73%
+12.9% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
4.45%
+12.2% YoY
+0.2% QoQ
|
+0.79% |
3.66%
+9.1% YoY
|
3.82%
+5.9% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
52.89%
-11.7% YoY
+2.2% QoQ
|
-9.74% |
62.63%
-5.3% YoY
|
71.57%
-0.7% YoY
|
65.09%
-5.1% YoY
|
78% |
| Delinquency Rate ? |
1.21%
+10.0% YoY
+56.3% QoQ
|
+0.58% |
0.63%
+18.3% YoY
|
0.58%
+11.6% YoY
|
0.66%
+20.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
109.55%
+10.0% YoY
+8.0% QoQ
|
+26.49% |
83.06%
+0.3% YoY
|
86.62%
+0.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.38%
+10.1% YoY
-11.8% QoQ
|
-2.67% |
21.05%
-0.9% YoY
|
25.62%
-3.7% YoY
|
21.79%
-1.3% YoY
|
41% |
| Nonperforming Asset Ratio ? |
1.03%
+19.4% YoY
+66.1% QoQ
|
+0.53% |
0.50%
+20.3% YoY
|
0.45%
+3.2% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
13.00%
+4.6% YoY
+2.0% QoQ
|
+2.76% |
10.24%
-0.6% YoY
|
9.41%
-4.6% YoY
|
9.75%
-1.9% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.55%
+17.8% YoY
+46.7% QoQ
|
-0.19% |
0.74%
-1.3% YoY
|
0.77%
+3.5% YoY
|
0.65%
+0.6% YoY
|
55% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#120 of 371 · Top 32% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.62%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Community
Why this stands out
Current:
109.55%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Net Interest Margin
Current: 4.45% · Tier avg: 3.66%
79
79th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.16%
78
78th pctile
Efficiency Ratio
Current: 52.89% · Tier avg: 62.63%
58
58th pctile
Tier 1 Capital Ratio
Current: 13.00% · Tier avg: 10.24%
55
55th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
50
50th pctile
Total Loans
Current: $706.5M · Tier avg: $975.5M
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 18.38% · Tier avg: 21.05%
37
37th pctile
Total Assets
Current: $827.9M · Tier avg: $1.4B
33
33th pctile
Total Deposits
Current: $644.9M · Tier avg: $1.2B
21
21th pctile
Delinquency Rate
Current: 1.21% · Tier avg: 0.63%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.50%
4
4th pctile
Loan-to-Deposit Ratio
Current: 109.55% · Tier avg: 83.06%
Top Weaknesses
4
4th pctile
Loan-to-Deposit Ratio
Current: 109.55% · Tier avg: 83.06%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.50%
21
21th pctile
Delinquency Rate
Current: 1.21% · Tier avg: 0.63%
33
33th pctile
Total Deposits
Current: $644.9M · Tier avg: $1.2B
37
37th pctile
Total Assets
Current: $827.9M · Tier avg: $1.4B
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 18.38% · Tier avg: 21.05%
50
50th pctile
Total Loans
Current: $706.5M · Tier avg: $975.5M
55
55th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
58
58th pctile
Tier 1 Capital Ratio
Current: 13.00% · Tier avg: 10.24%
78
78th pctile
Efficiency Ratio
Current: 52.89% · Tier avg: 62.63%
79
79th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.16%
86
86th pctile
Net Interest Margin
Current: 4.45% · Tier avg: 3.66%