West Liberty, KY · Cert 21219 · Mountain Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.90% | 1.08% | 1.03% | 1.02% | 0.92% | 0.40% | 0.77% | -26 bps | |
| Return on Equity | 8.89% | 9.19% | 11.14% | 10.61% | 10.61% | 9.53% | 4.26% | 8.18% | -244 bps | |
| Net Interest Margin | 4.39% | 4.32% | 4.52% | 4.53% | 4.55% | 4.48% | 4.09% | 4.58% | +5 bps | |
| Efficiency Ratio | 76.15% | 73.11% | 72.08% | 74.31% | 74.16% | 75.07% | 90.16% | 79.77% | +546 bps | |
| Non-Interest Burden | 3.17% | 2.94% | 3.07% | 3.19% | 3.21% | 3.20% | 3.57% | 3.57% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.28% | 7.76% | 7.23% | 8.72% | 8.78% | 4.92% | 5.42% | 2.27% | -645 bps | |
| Loan Growth (YoY) | 8.26% | 4.38% | 8.94% | 8.64% | 9.49% | 10.98% | 7.90% | 14.19% | +555 bps | |
| Deposit Growth (YoY) | -0.34% | 8.26% | 7.49% | 8.92% | 9.29% | 4.96% | 5.51% | 1.94% | -698 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.27% | 1.16% | 1.05% | 0.51% | 0.60% | 0.65% | 0.55% | 0.57% | +5 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.12% | 0.07% | 0.04% | 0.05% | 0.07% | 0.06% | 0.08% | +4 bps | |
| Allowance / Loans | 1.31% | 1.50% | 1.41% | 1.38% | 1.33% | 1.42% | 1.38% | 1.25% | -13 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.3x | 1.3x | 2.7x | 2.2x | 2.2x | 2.5x | 2.2x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.99% | 9.90% | 9.78% | 9.69% | 9.58% | 9.39% | 9.50% | 9.23% | -46 bps | |
| Total Risk-Based Capital | 15.28% | 15.55% | 15.65% | 15.48% | 15.15% | 14.79% | 16.34% | 14.43% | -106 bps | |
| Equity / Assets | 9.84% | 9.74% | 9.69% | 9.56% | 9.54% | 9.59% | 9.25% | 9.29% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.23% | 75.84% | 77.35% | 76.57% | 78.37% | 80.19% | 79.10% | 85.77% | +921 bps | |
| Liquid Assets / Assets | 5.47% | 4.74% | 3.56% | 4.22% | 3.45% | 3.45% | 3.09% | 3.59% | -63 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 102.36% | 104.81% | 107.46% | n/a | n/a | |