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Lamont Bank of St. John

Saint John, WA · Cert 8681

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

0

Q2 2024Q2 2026peer median (50)

Asset Quality

1

Q2 2024Q2 2026peer median (50)

Profitability

1

Q2 2024Q2 2026peer median (50)

Liquidity

68

Q2 2024Q2 2026peer median

Efficiency

1

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Lamont Bank of St. John

Saint John, WA · Cert 8681

State charter, non-member · FDIC · 1 branch

Q2 2026

$50.7MAssets
$35.1MLoans
$49.7MDeposits
$647KEquity
Loan mix
75%RE $16.1M8%C&I $1.7M17%Consumer $3.7MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $36.0M28%Noninterest $13.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of -7.04%, down 406 bps year over year; NIM at 0.98%.
  • Asset quality: problem loans at 49.83% of loans (+4,787 bps YoY), with net charge-offs at 4.25%.
  • Capital: tier 1 leverage ratio of 2.44%, down 570 bps from a year ago.
  • Funding: loans stand at 70.62% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

-7.04%-406 bps YoY

Net Interest Margin (YTD, annualized)

0.98%-147 bps YoY

Efficiency Ratio (YTD, annualized)

258%+16,549 bps YoY

Tier 1 Leverage Ratio

2.44%-570 bps YoY

NIM

4.74%Q2 ’244.75%Q2 ’252.61%Q2 ’26-11%-60%

Non-interest income vs. expense

1.53%Q2 ’242.38%Q2 ’254.01%Q2 ’26+52%+53%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%-0.68%-0.26%-2.98%-1.56%-1.19%-12.76%-7.04%-406 bps
Return on Equity6.78%-8.64%-3.41%-39.32%-20.31%-15.28%-181.19%-132.69%-9,337 bps
Net Interest Margin2.54%2.40%2.30%2.45%3.20%3.10%-0.89%0.98%-147 bps
Efficiency Ratio72.34%80.59%98.81%92.07%75.81%81.63%n/a258%+16,549 bps
Non-Interest Burden1.82%1.92%2.27%2.24%2.39%2.51%1.93%3.43%+118 bps
Growth
Asset Growth (YoY)-1.28%5.69%-2.36%-15.78%-15.26%-13.64%-16.04%-15.86%-9 bps
Loan Growth (YoY)5.11%4.77%-6.11%-9.86%-16.74%-14.39%-17.28%-19.08%-923 bps
Deposit Growth (YoY)9.40%15.89%8.45%1.13%-3.00%-8.56%-7.71%-4.57%-571 bps
Asset Quality
Nonperforming Loans / Loans3.05%2.45%2.10%1.96%3.43%3.89%21.44%49.83%+4,787 bps
Net Charge-Offs / Loans0.33%2.79%8.32%4.02%2.87%3.25%8.69%4.25%+23 bps
Allowance / Loans3.36%2.99%1.11%3.38%3.82%3.29%5.52%7.13%+375 bps
Allowance Coverage of NPLs1.1x1.2x0.5x1.7x1.1x0.8x0.3x0.1x-1.6x
Capital
Tier 1 Leverage Ratio9.60%8.79%9.08%8.14%9.11%9.35%6.57%2.44%-570 bps
Total Risk-Based Capital9.60%8.79%9.08%8.14%9.11%9.35%6.57%3.97%-417 bps
Equity / Assets8.55%7.31%8.05%7.38%8.03%8.29%5.68%1.28%-610 bps
Liquidity & Funding
Loans / Deposits85.25%70.46%74.01%83.28%73.17%65.97%66.33%70.62%-1,266 bps
Liquid Assets / Assets0.29%0.51%1.07%0.90%0.08%0.51%1.45%1.70%+80 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Lamont Bank of St. John

Saint John, WA · Cert 8681 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 1 branch

Q2 2026

$50.7MAssets
$35.1MLoans
$49.7MDeposits
$647KEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 2% of banks under $1B in assets (rank 619 of 629).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets (rank 629 of 629).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

-7.76%

Rank 622 of 629

Net Interest Margin

0.98%

Rank 619 of 629

Efficiency Ratio

258%

Rank 623 of 629

Equity / Assets

1.28%

Rank 629 of 629

Non-interest income vs. expense

$0.3M$2.1MINCOMEEXPENSE
Unfavorable gap of $1.8M · efficiency ratio beats 1% of banks under $1B in assets
Bank 258%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-7.76%0.60%1.01%1.45%Beats 1%622 / 629
Return on Equity-609%5.38%9.30%13.28%Beats 0%629 / 629
Net Interest Margin0.98%3.03%3.54%4.05%Beats 2%619 / 629
Efficiency Ratio258%58.35%67.79%79.08%Beats 1%623 / 629
Asset Quality
Nonperforming Loans / Loans49.83%0.09%0.46%1.20%Beats 0%581 / 581
Net Charge-Offs / Loans2.16%n/a0.01%0.06%Beats 1%578 / 581
Capital
Tier 1 Capital Ratio2.67%11.24%13.84%18.77%Beats 0%629 / 629
Total Risk-Based Capital Ratio3.97%11.58%14.43%19.66%Beats 0%629 / 629
Equity / Assets1.28%9.09%10.65%13.80%Beats 0%629 / 629
Liquidity & Funding
Loans / Deposits70.62%67.24%80.90%93.48%32nd pctl406 / 594
Loans / Assets69.21%53.31%67.71%78.15%54th pctl292 / 629
Brokered Deposits / Depositsn/aNot reported for this institution