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Bank of the Mountains, Inc.

West Liberty, KY · Cert 21219 · Mountain Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$100.0MAssets
$75.4MLoans
$88.0MDeposits
$9.3MEquity
Loan mix
70%RE $48.1M5%C&I $3.8M24%Consumer $16.8MQ2 2025Q2 2026
Deposit mix
67%Interest-bearing $58.8M33%Noninterest $29.1MQ2 2025Q2 2026

NIM

5.31%Q2 ’245.76%Q2 ’256.19%Q2 ’26+4%+10%

Non-interest income vs. expense

3.82%Q2 ’244.09%Q2 ’253.35%Q2 ’26+7%+6%

Executive Summary

  • Earnings: ROA of 1.12%, up 15 bps year over year; NIM at 5.14%.
  • Asset quality: problem loans at 0.57% of loans (+5 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 9.23%, down 46 bps from a year ago.
  • Funding: loans stand at 85.77% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.12%+15 bps YoY

Net Interest Margin (quarter, annualized)

5.14%+47 bps YoY

Efficiency Ratio (quarter, annualized)

68.75%-766 bps YoY

Tier 1 Leverage Ratio

9.23%-46 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%1.01%0.60%0.40%1.12%+15 bps
Return on Equity10.08%10.54%6.31%4.26%12.11%+203 bps
Net Interest Margin4.67%4.63%4.55%4.09%5.14%+47 bps
Efficiency Ratio76.41%73.86%77.75%90.16%68.75%-766 bps
Non-Interest Burden3.40%3.26%3.39%3.57%3.62%+21 bps
Growth
Asset Growth (YoY)8.72%8.78%4.92%5.42%2.27%-645 bps
Loan Growth (YoY)8.64%9.49%10.98%7.90%14.19%+555 bps
Deposit Growth (YoY)8.92%9.29%4.96%5.51%1.94%-698 bps
Asset Quality
Nonperforming Loans / Loans0.51%0.60%0.65%0.55%0.57%+5 bps
Net Charge-Offs / Loans0.01%0.07%0.14%0.06%0.12%+10 bps
Allowance / Loans1.38%1.33%1.42%1.38%1.25%-13 bps
Allowance Coverage of NPLs2.7x2.2x2.2x2.5x2.2x-0.5x
Capital
Tier 1 Leverage Ratio9.69%9.58%9.39%9.50%9.23%-46 bps
Total Risk-Based Capital15.48%15.15%14.79%16.34%14.43%-106 bps
Equity / Assets9.56%9.54%9.59%9.25%9.29%-28 bps
Liquidity & Funding
Loans / Deposits76.57%78.37%80.19%79.10%85.77%+921 bps
Liquid Assets / Assets4.22%3.45%3.45%3.09%3.59%-63 bps
CRE / Total Capitaln/a102.36%104.81%107.46%n/an/a