TellerScore

Mountain Pacific Bank is a state-chartered bank headquartered in Everett, Washington, in business for about 20 years. At the end of Q2 2026 it reported $896.4M in total assets and $709.1M in deposits, with 6 offices.

Mountain Pacific Bank has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 29 banks headquartered in Washington, it ranks 11th. Problem-loan coverage contributes the most (92/100, 4.2%); funding & liquidity contributes the least (40/100, 103% loans-to-deposits, 31% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Tier 1 leverage ratio: 11.52%
Loan quality78/100
Noncurrent loans ÷ total loans: 0.67%
Earnings80/100
Return on assets (annualized): 1.50%
Funding & liquidity40/100
Loans ÷ deposits and uninsured-deposit share: 102.8% · 30.5% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.23%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (68 → 70), mostly because the funding & liquidity component improved by 7 points.

TellerScore
596571Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202459
Q3 202461
Q4 202460
Q1 202570
Q2 202568
Q3 202569
Q4 202565
Q1 202671
Q2 202670
Tier 1 leverage ratio
5.00%8.42%11.84%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202411.26%
Q3 202410.89%
Q4 202410.62%
Q1 202511.10%
Q2 202511.17%
Q3 202511.15%
Q4 202511.38%
Q1 202611.84%
Q2 202611.52%
Noncurrent loans
0.62%0.90%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20241.16%
Q3 20241.12%
Q4 20241.08%
Q1 20250.79%
Q2 20250.78%
Q3 20250.76%
Q4 20251.19%
Q1 20260.62%
Q2 20260.67%
Return on assets
0.99%1.44%1.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.99%
Q3 20241.11%
Q4 20241.14%
Q1 20251.89%
Q2 20251.64%
Q3 20251.64%
Q4 20251.62%
Q1 20261.45%
Q2 20261.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$896.4M11.52%0.67%1.50%102.8%
Q1 202671$871.5M11.84%0.62%1.45%105.6%
Q4 202565$827.9M11.38%1.19%1.62%109.6%
Q3 202569$861.9M11.15%0.76%1.64%101.4%
Q2 202568$821.1M11.17%0.78%1.64%105.4%
Q1 202570$811.4M11.10%0.79%1.89%102.0%
Q4 202460$803.1M10.62%1.08%1.14%99.6%
Q3 202461$777.7M10.89%1.12%1.11%99.2%
Q2 202459$699.5M11.26%1.16%0.99%111.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.52%
58th
Total risk-based capital14.33%
64th
Problem loans0.67%
39th
Net charge-offs-0.00%
77th
Return on assets1.50%
65th
Net interest margin4.44%
77th
Efficiency ratio55.7%
70th
Loans to deposits102.8%
7th
Uninsured deposits30.5%
27th
Loan-loss reserves1.95%
93rd
Texas ratio4.2%
40th

Similar-size banks in Washington

InstitutionScoreAssetsCapitalProblem loansCompare
Seattle BankBank Seattle, WA42 out of 100, Below average$891.4M10.3%2.81%vs
Commencement BankBank Tacoma, WA69 out of 100, Moderate$739.6M10.3%0.09%vs
Baker-Boyer National BankBank Walla Walla, WA66 out of 100, Moderate$692.9M9.3%0.42%vs
UniBankBank Lynnwood, WA50 out of 100, Below average$393.0M7.3%0.54%vs
Pacific Crest BankBank Lynnwood, WA66 out of 100, Moderate$318.5M11.1%0.47%vs
RiverBankBank Spokane, WA77 out of 100, Strong$310.2M11.3%0.31%vs

Deposit insurance

Is my money safe at Mountain Pacific Bank?

Yes. Mountain Pacific Bank is an FDIC-insured institution (FDIC certificate #58341). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.5% of deposits ($216.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.52%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.33% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Mountain Pacific Bank lists 5 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Mountain Pacific Bank reported 30 home-loan applications under HMDA (LEI 254900OHZRY6VWYMJQ91): 21 originated ($37,295,000 total), 3 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Mountain Pacific Bank
Type
State-chartered bank
FDIC certificate #
58341
RSSD ID
3459207
Primary regulator
FDIC
Holding company
Mountain Pacific Bcorp Inc
Established
July 24, 2006
Headquarters
3732 Broadway, Everett, WA 98201
Employees
107

Quick answers

Mountain Pacific Bank: common questions

Is Mountain Pacific Bank FDIC insured?

Yes. Mountain Pacific Bank is an FDIC-insured institution (FDIC certificate #58341). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Mountain Pacific Bank's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Mountain Pacific Bank ever failed?

There is no failure record for FDIC certificate #58341 in the FDIC failed bank list.

How many branches does Mountain Pacific Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Everett

InstitutionScoreAssetsCapitalProblem loansCompare
Cascade Federal Credit UnionCredit union Kent, WA88 out of 100, Very strong$392.6M13.3%0.79%vs
GBC International BankBank Los Angeles, CA83 out of 100, Strong$658.5M15.9%0.26%vs
Qualstar Credit UnionCredit union Bothell, WA80 out of 100, Strong$939.3M16.0%1.41%vs
Peoples BankBank Bellingham, WA78 out of 100, Strong$2.4B13.3%0.11%vs
Northwest Plus Credit UnionCredit union Everett, WA77 out of 100, Strong$315.2M13.6%0.80%vs
Native American Bank, National AssociationBank Denver, CO77 out of 100, Strong$362.0M14.4%0.94%vs