BlastPoint's Banking Scorecard

Lamont Bank of St. John

under $100M Specialty: Agricultural WA FDIC cert 8681

Designations: ✓ Community bank

Saint John, WA

537 banks in the under $100M peer group nationally 4 in WA

Lamont Bank of St. John has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 87.63% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 13.62% below tier average
- Net Interest Margin 4.82% below tier average
- Delinquency Rate 21.34% above tier average
- Nonperforming Asset Ratio 13.84% above tier average
- Tier 1 Capital Ratio 20.20% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Total Assets ?	$55.9M -16.0% YoY -9.0% QoQ	-$6.4M	$62.3M -0.5% YoY	$3.1B +4.0% YoY	$6.2B +9.0% YoY	39%
Total Loans ?	$32.9M -21.0% YoY -8.0% QoQ	-$1.4M	$34.3M -1.5% YoY	$2.2B +2.0% YoY	$3.2B +10.7% YoY	51%
Total Deposits ?	$52.4M -7.7% YoY -6.3% QoQ	+$590K	$51.8M -0.6% YoY	$2.5B +4.5% YoY	$4.8B +8.0% YoY	49%
Return on Assets ?	-12.76% -971.2% QoQ	-13.62%	0.86% -3.6% YoY	0.33% -42.8% YoY	1.24% +13.1% YoY	Bottom 0.4% in tier
Net Interest Margin ?	-0.95% -138.9% YoY -130.2% QoQ	-4.82%	3.87% +2.7% YoY	3.69% +1.2% YoY	3.89% +5.7% YoY	Bottom 0.2% in tier
Efficiency Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-87.63%	87.63% +2.3% YoY	71.09% -8.1% YoY	66.84% -3.8% YoY	Top 0.2% in tier
Delinquency Rate ?	22.70% +968.5% YoY +464.3% QoQ	+21.34%	1.36% +33.7% YoY	1.35% +102.7% YoY	0.95% +18.8% YoY	Bottom 0.4% in tier
Loan-to-Deposit Ratio ?	62.67% -14.4% YoY -1.8% QoQ	-1.44%	64.11% -0.9% YoY	81.10% -2.4% YoY	76.69% +0.9% YoY	53%
Non-Interest-Bearing Deposit Share ?	26.68% +9.3% YoY -9.5% QoQ	+2.89%	23.79% +0.5% YoY	25.15% +1.1% YoY	22.01% -1.1% YoY	61%
Nonperforming Asset Ratio ?	14.62% +525.0% QoQ	+13.84%	0.77% +28.7% YoY	0.95% +54.5% YoY	0.66% +19.3% YoY	Bottom 0.2% in tier
Tier 1 Capital Ratio ?	6.57% -27.6% YoY -29.7% QoQ	-20.20%	26.77% +2.0% YoY	13.58% +1.6% YoY	17.06% +0.8% YoY	Bottom 0.6% in tier
Non-Interest Income / Assets ?	0.05% +28.6% YoY -61.9% QoQ	-0.62%	0.67% +1.6% YoY	0.20% +3.0% YoY	0.32% +4.0% YoY	41%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 537 peers in under $100M

Top Strengths (1 metrics)

Efficiency Ratio

profitability

Value: 0.00%

Peer Median: 87.63%

#2 of 537 Top 0.2% in under $100M

Top Weaknesses (5 metrics)

537

Nonperforming Asset Ratio

credit_quality

Value: 14.62%

Peer Median: 0.77%

#537 of 537 Bottom 0.2% in under $100M

537

Net Interest Margin

profitability

Value: -0.95%

Peer Median: 3.87%

#537 of 537 Bottom 0.2% in under $100M

536

Return on Assets

profitability

Value: -12.76%

Peer Median: 0.86%

#536 of 537 Bottom 0.4% in under $100M

516

Delinquency Rate

credit_quality

Value: 22.70%

Peer Median: 1.36%

#516 of 517 Bottom 0.4% in under $100M

535

Tier 1 Capital Ratio

capital

Value: 6.57%

Peer Median: 26.77%

#535 of 537 Bottom 0.6% in under $100M