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Mountain Pacific Bank

IDRSSD: 3459207
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2025-Q4QoQ -4

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #3459207 2025-Q4 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 109.6% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -9

The five pillars

Liquidity

StableQoQ -8
76
Sub-score

Liquidity is stable: brokered 1.6%, loans/deposits 109.6%, cash 8.4% of assets.

Cash / Assets
8.41%
Loans / Deposits
109.55%
Brokered %
1.55%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 109.6% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.12%
No watch items at this period.

Capitalization

StrongQoQ +3
90
Sub-score

Capital position is strong: Tier 1 RBC 13.00%, CET1 13.00%, leverage 11.37%.

Tier 1 RBC
13.00%
CET1
13.00%
Leverage
11.37%
No watch items at this period.

Asset Quality

StrongQoQ -6
90
Sub-score

Asset quality is strong: Adjusted NPL 1.21%, Texas Ratio 7.7%, NCO YTD 0.00%.

Adjusted NPL
1.21%
Govt-guarantees stripped
Texas Ratio
7.7%
NCO YTD
0.00%
30-89 PD
0.85%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -9
91
Sub-score

Reserves are strong: ALLL 1.87% of loans, coverage 157.5%, true coverage 152.7%.

ALLL / Loans
1.87%
Coverage
157.5%
True Loss Coverage
152.7%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 08:46:48 UTC