BlastPoint's Banking Scorecard
Bank of the Mountains, Inc.
West Liberty, KY
3 branches across KY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
- Deposits +1.9% year over year ($88.0M on the books).
- Delinquency rate 0.57%.
- Return on assets 0.77%.
- Efficiency ratio 79.77% vs a 64.48% peer average.
- Loan-to-deposit ratio 84.70% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of the Mountains, Inc. has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 28.4% in tier
- + Delinquency Rate 0.34% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 9.5% in tier
- - Credit Quality Pressure: Bottom 27.0% in tier
- - Efficiency Ratio 15.29% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$100.0M
+2.3% YoY
-0.3% QoQ
|
-$286.6M |
$386.6M
+1.2% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 0.1% in tier |
| Total Loans ? |
$74.5M
+14.3% YoY
+7.9% QoQ
|
-$183.9M |
$258.3M
+1.7% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 8.3% in tier |
| Total Deposits ? |
$88.0M
+1.9% YoY
-0.6% QoQ
|
-$238.8M |
$326.7M
+0.7% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 1.9% in tier |
| Return on Assets ? |
0.77%
-25.3% YoY
+91.1% QoQ
|
-0.56% |
1.32%
+10.8% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
21% |
| Net Interest Margin ? |
5.25%
+2.0% YoY
+4.3% QoQ
|
+1.26% |
3.99%
+5.0% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
Top 4.9% in tier |
| Efficiency Ratio ? |
79.77%
+7.4% YoY
-10.9% QoQ
|
+15.29% |
64.48%
-3.2% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 14.0% in tier |
| Delinquency Rate ? |
0.57%
+10.1% YoY
+2.8% QoQ
|
-0.34% |
0.92%
+15.7% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
84.70%
+12.2% YoY
+8.6% QoQ
|
+6.75% |
77.95%
+1.0% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
33.09%
-19.8% YoY
-3.1% QoQ
|
+11.06% |
22.03%
-0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
Top 12.4% in tier |
| Nonperforming Asset Ratio ? |
0.43%
+15.3% YoY
+11.2% QoQ
|
-0.24% |
0.67%
+16.4% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
13.17%
-7.4% YoY
-10.2% QoQ
|
-2.73% |
15.91%
+1.4% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.22%
-34.7% YoY
+77.1% QoQ
|
-0.35% |
0.57%
+7.6% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
56% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
33.1%
-8.2pp YoY -1.1pp QoQ |
+10.9pp | 22.1% | 23.5% | 22.2% | 88% |
| Brokered Deposits | n/a | n/a | 7.9% | 5.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.1%
-1.1pp YoY -0.3pp QoQ |
-6.4pp | 11.6% | 8.6% | 12.5% | 20% |
| CRE |
15.3%
+0.5pp YoY +0.7pp QoQ |
-24.3pp | 39.5% | 37.1% | 41.4% | 11% |
| 1-4 Family |
44.1%
+4.4pp YoY +1.6pp QoQ |
+11.5pp | 32.6% | 41.6% | 31.3% | 76% |
| Consumer |
23.6%
-1.6pp YoY -0.7pp QoQ |
+19.5pp | 4.1% | 4.8% | 5.0% | 98% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.2%
-1.1pp YoY -1.5pp QoQ |
-5.7pp | 18.8% | 20.2% | 19.7% | 30% |
| Leverage Ratio |
9.2%
-0.5pp YoY -0.3pp QoQ |
-2.9pp | 12.2% | 14.0% | 12.6% | 16% |
| Total Capital Ratio |
14.4%
-1.1pp YoY -1.5pp QoQ |
-5.5pp | 19.9% | 21.3% | 20.8% | 31% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
24
0 YoY 0 QoQ |
-35 | 58 | 105 | 482 | 17% |
| Assets per Employee ($) |
$4.2M
+2.3% YoY -0.3% QoQ |
-$3.4M | $7.5M | $6.3M | $8.8M | 6% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 8 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp QoQ |
-0.3pp | 0.3% | 0.3% | 0.4% | 15% |
| Nonaccrual |
0.6%
0.0pp YoY 0.0pp QoQ |
-0.4pp | 0.9% | 0.8% | 1.0% | 56% |
| Allowance Coverage |
2.21x
-17.7% YoY -11.8% QoQ |
-21.94x | 24.15x | 7.45x | 20.23x | 50% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 75% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.2%
-2.4pp YoY +3.9pp QoQ |
-4.0pp | 12.2% | 13.3% | 11.6% | 26% |
| Cost of Funds (YTD) |
1.2%
0.0pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.7% | 1.7% | 18% |
| Net Income ($, YTD) |
$380,000
-22.1% YoY — QoQ |
-$2.2M | $2.6M | $5.1M | $40.4M | 8% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.