| Metric | Mountain Pacific Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.2% | +4.9% | +4.3 pts |
| Deposit growth (YoY) | +8.1% | +4.3% | +3.8 pts |
| Loan growth (YoY) | +5.5% | +5.3% | +0.2 pts |
| ROA | 1.50% | 1.28% | +0.2 pts |
| ROE | 13.0% | 12.4% | +0.6 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $896.4M | $709.1M | $729.0M | $102.7M | $6.5M | 1.50% | 4.44% | 0.55% |
| Q1 2026 | $871.5M | $686.3M | $724.6M | $99.4M | $3.1M | 1.45% | 4.37% | 0.52% |
| Q4 2025 | $827.9M | $644.9M | $706.5M | $96.8M | $13.3M | 1.62% | 4.45% | 1.03% |
| Q3 2025 | $861.9M | $682.3M | $692.2M | $93.0M | $10.1M | 1.64% | 4.45% | 0.62% |
| Q2 2025 | $821.1M | $655.7M | $690.8M | $89.4M | $6.7M | 1.64% | 4.52% | 0.66% |
| Q1 2025 | $811.4M | $647.6M | $660.7M | $86.4M | $3.8M | 1.89% | 4.79% | 0.65% |
| Q4 2024 | $803.1M | $633.9M | $631.1M | $82.3M | $8.3M | 1.14% | 3.97% | 0.86% |
| Q3 2024 | $777.7M | $622.3M | $617.3M | $79.8M | $5.8M | 1.11% | 4.00% | 0.90% |
Loan mix (Q2 2026): real estate $643.0M · commercial $71.6M · consumer $519K · securities $19.4M
| Ratio | Mountain Pacific Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 1.28% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 12.4% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.7% | 61.2% | 34th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Mountain Pacific Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Mountain Pacific Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Mountain Pacific Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Mountain Pacific Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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