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Mountain Pacific Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
92
/ 100
StrongAs of 2026-Q1QoQ +3

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

Quarterly Headline

2026-Q1

Bank #3459207 2026-Q1 Vital Signs Score: 92/100 — 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 105.6% (threshold 100%).

What changed this quarter

Compared to Q4 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +6
  • Reserves
    ↑ +9

The five pillars

Liquidity

StableQoQ +4
79
Sub-score

Liquidity is stable: brokered 4.4%, loans/deposits 105.6%, cash 11.0% of assets.

Cash / Assets
11.01%
Loans / Deposits
105.58%
Brokered %
4.37%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.6% (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
0.11%
No watch items at this period.

Capitalization

StrongQoQ -1
89
Sub-score

Capital position is strong: Tier 1 RBC 12.88%, CET1 12.88%, leverage 11.84%.

Tier 1 RBC
12.88%
CET1
12.88%
Leverage
11.84%
No watch items at this period.

Asset Quality

StrongQoQ +6
96
Sub-score

Asset quality is strong: Adjusted NPL 0.63%, Texas Ratio 4.0%, NCO YTD 0.00%.

Adjusted NPL
0.63%
Govt-guarantees stripped
Texas Ratio
4.0%
NCO YTD
0.00%
30-89 PD
0.71%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +9
100
Sub-score

Reserves are strong: ALLL 1.90% of loans, coverage 307.8%, true coverage 306.7%.

ALLL / Loans
1.90%
Coverage
307.8%
True Loss Coverage
306.7%
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