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
Unfavorable gap of $1.8M · efficiency ratio beats 1% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 0.98% | 3.03% | 3.54% | 4.05% | Beats 2% | 619 / 629 | | |
| Efficiency Ratio | 258% | 58.35% | 67.79% | 79.08% | Beats 1% | 623 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 49.83% | 0.09% | 0.46% | 1.20% | Beats 0% | 581 / 581 | | |
| Net Charge-Offs / Loans | 2.16% | n/a | 0.01% | 0.06% | Beats 1% | 578 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 2.67% | 11.24% | 13.84% | 18.77% | Beats 0% | 629 / 629 | | |
| Total Risk-Based Capital Ratio | 3.97% | 11.58% | 14.43% | 19.66% | Beats 0% | 629 / 629 | | |
| Equity / Assets | 1.28% | 9.09% | 10.65% | 13.80% | Beats 0% | 629 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.62% | 67.24% | 80.90% | 93.48% | 32nd pctl | 406 / 594 | | |
| Loans / Assets | 69.21% | 53.31% | 67.71% | 78.15% | 54th pctl | 292 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |