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Lamont Bank of St. John

under $100M Specialty: Agricultural WA FDIC cert 8681

Designations: ✓ Community bank

Saint John, WA

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 536 banks in the under $100M peer group nationwide — 1 of 4 in WA.
  • Deposits -4.6% year over year ($49.7M on the books).
  • Delinquency rate 53.61%.
  • Return on assets -6.23%.
  • Efficiency ratio 165.50% vs a 119.40% peer average.
  • Loan-to-deposit ratio 65.63% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

536 banks in the under $100M peer group nationally 4 in WA
View under $100M leaderboard (WA) →

Lamont Bank of St. John faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Return on Assets 7.22% below tier average
  • - Net Interest Margin 2.29% below tier average
  • - Efficiency Ratio 46.10% above tier average
  • - Delinquency Rate 52.13% above tier average
  • - Nonperforming Asset Ratio 33.92% above tier average
  • - Tier 1 Capital Ratio 23.91% below tier average
Get updates when Lamont Bank of St. John releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Total Assets ? $51.1M
-15.2% YoY -4.6% QoQ
-$11.3M $62.4M
-0.0% YoY
$3.2B
+7.3% YoY
$6.3B
+7.7% YoY
33%
Total Loans ? $32.6M
-22.2% YoY +3.5% QoQ
-$2.3M $34.9M
-0.6% YoY
$2.3B
+6.2% YoY
$3.2B
+9.4% YoY
49%
Total Deposits ? $49.7M
-4.6% YoY -5.1% QoQ
-$1.9M $51.6M
-0.2% YoY
$2.6B
+6.6% YoY
$4.9B
+7.3% YoY
45%
Return on Assets ? -6.23%
-108.9% YoY +48.6% QoQ
-7.22% 1.00%
+3.5% YoY
0.49%
-20.7% YoY
1.30%
+12.1% YoY
Bottom 1.9% in tier
Net Interest Margin ? 1.62%
-37.3% YoY +472.9% QoQ
-2.29% 3.91%
+2.3% YoY
3.77%
+1.0% YoY
3.95%
+4.9% YoY
Bottom 2.4% in tier
Efficiency Ratio ? 165.50%
+79.8% YoY -68.8% QoQ
+46.10% 119.40%
+49.6% YoY
77.86%
+4.3% YoY
70.05%
+2.5% YoY
Bottom 3.5% in tier
Delinquency Rate ? 53.61%
+126.7% QoQ
+52.13% 1.48%
+31.8% YoY
2.42%
+282.9% YoY
0.98%
+16.3% YoY
Bottom 0.2% in tier
Loan-to-Deposit Ratio ? 65.63%
-18.4% YoY +9.1% QoQ
-8.58% 74.21%
+12.6% YoY
82.67%
-3.3% YoY
79.03%
+2.3% YoY
50%
Non-Interest-Bearing Deposit Share ? 27.62%
+17.2% YoY +3.5% QoQ
+4.13% 23.49%
+0.6% YoY
25.26%
+1.1% YoY
21.98%
-0.6% YoY
67%
Nonperforming Asset Ratio ? 34.75%
+126.4% QoQ
+33.92% 0.84%
+23.0% YoY
1.67%
+187.6% YoY
0.69%
+15.8% YoY
Bottom 0.2% in tier
Tier 1 Capital Ratio ? 3.21%
-60.5% YoY -11.7% QoQ
-23.91% 27.13%
+3.0% YoY
12.96%
-1.6% YoY
17.09%
+0.8% YoY
Bottom 0.2% in tier
Non-Interest Income / Assets ? 0.30%
+307.5% YoY +9.1% QoQ
-1.08% 1.38%
+6.3% YoY
0.42%
+15.9% YoY
0.66%
+5.2% YoY
83%

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 (WA) National Avg Tier Percentile
Noninterest-Bearing 27.6%
+4.1pp YoY
+0.9pp QoQ
 +3.0pp 24.6% 25.3% 22.2% 65%
Brokered Deposits n/a n/a 9.8% 8.9% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
C&I 4.6%
-0.4pp YoY
-0.7pp QoQ
 -8.8pp 13.4% 10.5% 12.5% 18%
CRE n/a n/a 25.2% 50.6% 41.4% n/a
1-4 Family 4.7%
+3.4pp YoY
-0.7pp QoQ
 -30.3pp 35.0% 30.1% 31.3% 14%
Consumer 12.2%
-7.1pp YoY
+1.3pp QoQ
 +4.5pp 7.7% 7.9% 5.0% 83%

Capital

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
CET1 Ratio 3.2%
-0.4pp QoQ
 -35.5pp 38.7% 12.7% 19.7% 0%
Leverage Ratio 3.0%
-5.2pp YoY
+0.2pp QoQ
 -14.7pp 17.7% 10.7% 12.6% 0%
Total Capital Ratio 4.5%
-0.4pp QoQ
 -35.2pp 39.7% 13.8% 20.8% 0%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Full-Time Employees 6
0 YoY
0 QoQ
 -6 12 343 482 13%
Assets per Employee ($) $8.5M
-15.2% YoY
-4.6% QoQ
 +$2.3M $6.2M $8.5M $8.8M 85%
Branch Count 1
0 YoY
0 QoQ
 -1 1 24 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Past Due 90+ Days 1.3%
-4.9pp QoQ
 +0.4pp 1.0% 0.4% 0.4% 80%
Nonaccrual 52.3%
+50.3pp YoY
+34.9pp QoQ
 +50.6pp 1.7% 2.6% 1.0% 100%
Allowance Coverage 0.14x
-91.7% YoY
-56.7% QoQ
 -6.27x 6.41x 4.50x 20.23x 2%
Net Charge-off Rate (YTD) 4.3%
+0.2pp YoY
-4.7pp QoQ
 +4.1pp 0.2% 0.4% 0.2% 100%

Profitability

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
ROE -228.8%
-189.5pp YoY
+156.8pp QoQ
 -235.2pp 6.4% -2.7% 11.6% 0%
Cost of Funds (YTD) 1.7%
-0.8pp YoY
0.0pp QoQ
 +0.2pp 1.4% 1.8% 1.7% 67%
Net Income ($, YTD) $-1698000.0
-72.7% YoY
— QoQ
 -$2.0M $317,817 $14.3M $40.4M 2%

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).
Comparing against 536 peers in under $100M

Top Strengths (1 metrics)

92
Non-Interest Income / Assets
revenue_mix
Value: 0.30%
Peer Median: 1.38%
#92 of 536 Top 17.0% in under $100M

Top Weaknesses (6 metrics)

536
Tier 1 Capital Ratio
capital
Value: 3.21%
Peer Median: 27.13%
#536 of 536 Bottom 0.2% in under $100M
536
Nonperforming Asset Ratio
credit_quality
Value: 34.75%
Peer Median: 0.84%
#536 of 536 Bottom 0.2% in under $100M
517
Delinquency Rate
credit_quality
Value: 53.61%
Peer Median: 1.48%
#517 of 517 Bottom 0.2% in under $100M
527
Return on Assets
profitability
Value: -6.23%
Peer Median: 1.00%
#527 of 536 Bottom 1.9% in under $100M
524
Net Interest Margin
profitability
Value: 1.62%
Peer Median: 3.91%
#524 of 536 Bottom 2.4% in under $100M
518
Efficiency Ratio
profitability
Value: 165.50%
Peer Median: 119.40%
#518 of 536 Bottom 3.5% in under $100M
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