Bank of the Mountains, Inc.
West Liberty, KY · Cert 21219 · Peer group: banks under $1B in assets in KY (n=69) · Mountain Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$100.0MAssets
$75.4MLoans
$88.0MDeposits
$9.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 90% of banks under $1B in assets in KY (rank 7 of 69).
- Widest gap: efficiency ratio trails 90% of banks under $1B in assets in KY (rank 63 of 69).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.76%
Rank 55 of 69
Net Interest Margin
4.58%
Rank 7 of 69
Efficiency Ratio
79.77%
Rank 63 of 69
Equity / Assets
9.29%
Rank 40 of 69
Non-interest income vs. expense
Unfavorable gap of $3.6M · efficiency ratio beats 10% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.76% | 0.83% | 1.18% | 1.44% | Beats 20% | 55 / 69 | | |
| Return on Equity | 8.18% | 7.64% | 11.70% | 15.70% | Beats 28% | 50 / 69 | | |
| Net Interest Margin | 4.58% | 3.45% | 3.75% | 3.96% | Beats 90% | 7 / 69 | | |
| Efficiency Ratio | 79.77% | 55.32% | 62.99% | 70.80% | Beats 10% | 63 / 69 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.57% | 0.18% | 0.52% | 1.14% | Beats 46% | 38 / 69 | | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.02% | 0.06% | Beats 30% | 49 / 69 | | |
| Capital |
| Tier 1 Capital Ratio | 13.17% | 11.33% | 13.58% | 16.27% | Beats 45% | 38 / 69 | | |
| Total Risk-Based Capital Ratio | 14.43% | 11.55% | 14.43% | 17.27% | Beats 49% | 35 / 69 | | |
| Equity / Assets | 9.29% | 8.31% | 9.91% | 12.53% | Beats 42% | 40 / 69 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.77% | 71.40% | 81.07% | 88.03% | 65th pctl | 24 / 69 | | |
| Loans / Assets | 75.43% | 61.10% | 68.66% | 76.68% | 68th pctl | 22 / 69 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |