# MOUNTAIN PACIFIC BANK
EVERETT, WA · FDIC certificate 58341 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $896.4M | |
| Deposits | $709.1M | |
| Loans and leases | $743.5M | |
| Total equity | $102.7M | |
| Loans / deposits | 102.81% (p92 of band) | 82.04% |
| Liquid assets / assets | 15.17% (p17 of band) | |
| Uninsured deposits / deposits | 30.53% (p68 of band) | 25.97% |
| Brokered deposits | 1.12% | |
| Wholesale funding | 10.04% (p77 of band) | |
| FHLB advances / assets | 8.92% | |
| Tier 1 leverage | 11.52% (p63 of band) | 10.81% |
| Unrealized securities loss / equity | -1.26% (p84 of band) | -8.10% |
| AOCI / equity | 0.00% (p75 of band) | |
| ROA (annualized) | 1.50% (p64 of band) | 1.28% |
| Net interest margin | 4.44% (p79 of band) | 3.91% |
| Efficiency ratio | 55.68% (p33 of band) | |
| Noncurrent loans | 0.67% (p62 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p23 of band) | |
| Reserve coverage of noncurrent | 292.12% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 86.54% (p81 of band) | |
| Auto loans | $22,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $7.5M (7% of equity) (p95 of band) | |
| Deposits YoY | 8.1% | |
| Employees | 107 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, expense ratio p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 5 | noncurrent p90 | charge-offs p90 |
| 2011-09 | 6 | capital falling |  |
| 2011-12 | 4 |  | construction >100% equity, capital falling |
| 2012-03 | 4 |  |  |
| 2012-06 | 5 | capital falling |  |
| 2012-09 | 5 |  |  |
| 2012-12 | 4 |  | noncurrent p90 |
| 2013-03 | 2 |  | losing money, expense ratio p90 |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2015-09 | 3 | capital falling |  |
| 2015-12 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2016-03 | 1 |  |  |
| 2016-06 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2016-09 | 2 |  | loans exceed deposits |
| 2016-12 | 1 |  | liquid assets <10% |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | liquid assets <10% |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | construction >100% equity |  |
| 2018-03 | 1 |  | capital falling, liquid assets <10% |
| 2018-06 | 2 | uninsured deposits >50% |  |
| 2018-09 | 2 | capital falling | uninsured deposits >50% |
| 2018-12 | 0 |  | construction >100% equity, capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 5 | noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-09 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-12 | 1 | liquid assets <10% | noncurrent p90, reserve under noncurrent |
| 2020-03 | 2 | loans exceed deposits |  |
| 2020-06 | 3 | wholesale funding >15%, capital falling | liquid assets <10% |
| 2020-09 | 3 |  |  |
| 2020-12 | 4 | noncurrent p90, reserve under noncurrent | wholesale funding >15% |
| 2021-03 | 3 |  | loans exceed deposits |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 | construction >100% equity | reserve under noncurrent |
| 2022-03 | 1 |  | construction >100% equity |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | charge-offs p90 |  |
| 2022-12 | 4 | deposits shrinking, assets shrinking |  |
| 2023-03 | 4 | loans exceed deposits | charge-offs p90 |
| 2023-06 | 5 | liquid assets <10%, uninsured deposits leaving | assets shrinking |
| 2023-09 | 2 | capital falling | noncurrent p90, deposits shrinking, liquid assets <10%, uninsured deposits leaving |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | noncurrent p90, reserve under noncurrent | capital falling |
| 2024-06 | 3 | liquid assets <10%, construction >100% equity | noncurrent p90, reserve under noncurrent |
| 2024-09 | 0 |  | loans exceed deposits, liquid assets <10%, construction >100% equity |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 2 | loans exceed deposits, construction >100% equity | capital falling |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | construction >100% equity |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-14 [THE FACES OF Banking - goSkagit](https://news.google.com/rss/articles/CBMiswFBVV95cUxOd2k1ZDBnVUVRT1M4ZE8zZjJtSk5EN3gtbV9UZzlpSGtibXk5ckZkMXRWbGY1SFNkS3VJaWl1eURWb20tMThCeC05b2dSZUFQSUQ4NWJRQkQ5VXI4aFU0NlE0bktNbFd5TnhRZ0tMZHg2bnVTdEppb1BLQ1NYdXJkdFoyVDFyLVJEN3E1MlhmUEtjZDFjaS1IdHV0LW82QW5QLUZWbmFGZUZKTkpQQ0NoRk1Daw?oc=5) · goSkagit
- 2025-11-01 [Best in Business: 2025 - 425business.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxNMlgtVVRTaG04OHExRGJBOHBjb01rXzVYcjdvWS0xNFRHc1h4T0hfcHVPODVsLWlnMlRhbXNVWktYeTMtS1UyNnRZU3NxRVFMaDM3S0VtcnFVU05QdUpINjZ0SG9ZYVZEcDR1LXlTTGUtejlFQ1l6NkNkemVFWWNYRXdjUDg2aHhFbWRFRGY0M3pRUk9aSEdkSnFmWTFQeEl5UXpuSGd6ZjVUTkswRTJSM3NMZW5IaktTU0VkeTB3?oc=5) · 425business.com
- 2026-07-15 [EASC Announces Board Leadership Transition - MyNorthwest.com](https://news.google.com/rss/articles/CBMingFBVV95cUxQVC1WTXAtVDBZYkNUNzd5elE4eXJTM3FHelE5SjBKTW9GSkRmN004QzBEcWJrUG5zMDdGcUZEaU5Zd3hTMHpGZEpSQmdnUmwxOEdLSGNyTnRFQVp2aG94dExqV1F3eFh0OUlIbFBuUEJDaXlJejZwSGhJZDNYd3huOTNuSnVzZWRUU2tLbG84MkZiX3k3Yi11a0NBWHRwUQ?oc=5) · MyNorthwest.com
- 2024-03-06 [Mark Duffy: Building a hometown bank; giving kids an opportunity - heraldnet.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxQVmlmZjVZTW1Udm02a0lkQzUxb1BkazRtZU5NVWoxV3RfWVJXWVh3MjNkcUd1c2ZRZWxDd2Y0NEYydWFCUmtOaVFsRmZXTXM2VTNYSVA5UnNiUXA3V3RFcXU1Y3BFNncwNVp2MnlRVFluTVI3TDlxdktsa2VEbVNPc0ZYeTBRNjU3WFpoZi03REhQTXA0Tnl3c3FNcDEzWEN6Z2c?oc=5) · heraldnet.com
- 2024-09-11 [Mountain Pacific Bank Celebrates Bellingham Grand Opening on September 18th - WhatcomTalk](https://news.google.com/rss/articles/CBMiswFBVV95cUxNYnJfLXJGNG9OOW1JMjVzbjVaNE5OZEpyN0hLWUlYa3RvTkJCTDF6MGlaTXduV3JkU0tBNmhsQjEtTERuZk4tTGlmaUg1b1hkdXNBZ1h5ckZqOVhrVWNfb2NVeGNMWUdmV3FKOEMzZF9Zekx1M2xTdEV6SzRUX3k1RzU3T0Q0bzUxakJHSF9nSzVwajRycmFXcVVOOFE2OWNYeWlFNTMzVmhBckpYU3djRWNXaw?oc=5) · WhatcomTalk
- 2026-07-15 [EASC Bids Farewell to Outgoing Board Chair Dr. Paul Pitre, Announces Robert Knoll as new Board Chair - My Everett News](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNQmFzVFN3dEV0VC1MaC1zMl9wUnlLUmxPZy11TzAzRGlDNnJaSFNiV09WQ3NINzAwT2VqMkRoUzZLdzNPUVRtQUxPYTExOXhkSW9peXNCR1VWYzdFZG56ODFkclZsQ0NqZWVCczMtYkc3NThYWGhiRVlZUnhPeV9pX3dMbUhNekFwUk5ycGNLenREY1NYZ1J4bEFxcmdXcU84WWNscElrUU5UMWRnYTktb0pCaGs3RnZVejlKaVBTdEdLMnpwMVFvQkp5ckZsYy14MUE?oc=5) · My Everett News
- 2026-02-13 [Letter to the Editor: Protect Crime Victim Services in Snohomish County - Lynnwood Times](https://news.google.com/rss/articles/CBMifEFVX3lxTE9YNWo0cUtERTNybWd0MDZ6TnNEQkZxeW03dTZOZTVjVk5mVXlxaERwMy15UWdaMmpuaDlPeTJqeUVCR3ByS1Y3OXc4THBDUDJZb0JVM2x1TGhlMUxoRzVPbzJ6UURqNm1yTXV6Q1VvMmt2R1dINzdjcmNSeEE?oc=5) · Lynnwood Times
- 2025-08-27 [Mountain Pacific Bank opens new Crown Hill branch with Sept. 17 grand opening - My Ballard](https://news.google.com/rss/articles/CBMitAFBVV95cUxOUlFzLXJVVTdWRFJKQk1RZFlMTUd6Vzc0a0dlV2ZfS0R1aVIzY0RZeUxZd0JTekJUVzluckZ1RDJ2N2VPWm9vc01MRDNGNm1zMG1qR3ZGbTZFSEltSFZYTlpNdDVmM3p4d0I1N3UwRlkwd0VLT3FZN1NGcE9qSXN6YnVxNHBYcE5uVnhGell5WE82WW12Rm80Y2NGSUNyTlVjemRIbjN0Z2FOejJhR0MwSEhjRzg?oc=5) · My Ballard

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58341 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/37.json (key "58341", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide