BlastPoint's Banking Scorecard
Bank of the Mountains, Inc.
West Liberty, KY
3 branches across KY
Bank of the Mountains, Inc. has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 66.5% in tier
- + Delinquency Rate 0.33% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 5.1% in tier
- - ROA 0.87% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$100.3M
+5.4% YoY
+3.1% QoQ
|
-$285.8M |
$386.1M
+0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
Bottom 0.2% in tier |
| Total Loans ? |
$69.0M
+7.9% YoY
+1.8% QoQ
|
-$186.7M |
$255.7M
+1.1% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 7.3% in tier |
| Total Deposits ? |
$88.5M
+5.5% YoY
+3.2% QoQ
|
-$239.5M |
$328.0M
+0.1% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 2.1% in tier |
| Return on Assets ? |
0.40%
-62.9% YoY
-56.3% QoQ
|
-0.87% |
1.27%
+12.9% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
Bottom 10.6% in tier |
| Net Interest Margin ? |
4.63%
-8.3% YoY
-10.9% QoQ
|
+0.70% |
3.93%
+6.0% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
Top 14.9% in tier |
| Efficiency Ratio ? |
90.16%
+25.1% YoY
+20.1% QoQ
|
+24.87% |
65.29%
-4.5% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
Bottom 6.3% in tier |
| Delinquency Rate ? |
0.56%
-47.7% YoY
-15.4% QoQ
|
-0.33% |
0.89%
+18.8% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
78.01%
+2.3% YoY
-1.3% QoQ
|
+1.37% |
76.64%
+0.8% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
34.16%
+2.2% YoY
+3.6% QoQ
|
+12.14% |
22.02%
-1.0% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
Top 11.0% in tier |
| Nonperforming Asset Ratio ? |
0.38%
-49.6% YoY
-16.4% QoQ
|
-0.25% |
0.64%
+19.7% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
44% |
| Tier 1 Capital Ratio ? |
15.09%
+4.8% YoY
+11.5% QoQ
|
-0.74% |
15.83%
+1.5% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.29%
+68.5% YoY
-56.1% QoQ
|
+0.01% |
0.28%
+9.3% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
Top 7.2% in tier |
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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 (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.