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Data through Q3 2026 · 4,200 institutions
Regulatory profile
West Liberty, KY · FDIC certificate #21219
BANK OF THE MOUNTAINS INC is an FDIC-insured institution based in West Liberty, KY (FDIC certificate #21219). In its Q3 2026 Call Report it reported total assets of $101M, total deposits of $88M and net loans of $75M. Its primary federal regulator is FDIC.
Plain-language readout
BANK OF THE MOUNTAINS INC has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $101M in Q3 2026 and were lowest at $100M in Q2 2026.
Total deposits were highest at $88M in Q1 2026 and lowest at $88M in Q2 2026.
Over the whole period total assets rose 0.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $101M | $88M | $75M | 0.91% | 9.73% | 5.29% |
| Q2 2026 | $100M | $88M | $74M | 0.77% | 8.18% | 5.25% |
| Q1 2026 | $100M | $88M | $69M | 0.40% | 4.26% | 5.03% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $8.4M | $7.9M | +$476K | +6.0% |
| Federal funds sold | $483K | $6.6M | -$6.1M | -92.6% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $9.4M | $9.5M | -$119K | -1.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $74.5M | $69.0M | +$5.5M | +7.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.2M | $3.4M | -$123K | -3.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $4.1M | $3.9M | +$103K | +2.6% |
| Total assets | $100.0M | $100.3M | -$281K | -0.3% |
| Liabilities | ||||
| Total deposits | $88.0M | $88.5M | -$538K | -0.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $180K | $190K | -$10K | -5.3% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.6M | $2.3M | +$253K | +10.8% |
| Total liabilities | $90.7M | $91.0M | -$295K | -0.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $191K | $191K | $0K | 0.0% |
| Surplus | $1.2M | $1.2M | $0K | 0.0% |
| Retained earnings | $8.0M | $8.0M | +$36K | +0.5% |
| Accumulated other comprehensive income | -$74K | -$52K | -$22K | -42.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $9.3M | $9.3M | +$14K | +0.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $428K | $386K | +$42K | +10.9% |
| Adjusted nonperforming assets | $428K | $386K | +$42K | +10.9% |
| Tangible equity plus allowance | $10.2M | $10.2M | -$7K | -0.1% |
| Texas ratio (gross) | 4.18% | 3.77% | +0.41 pts | See points |
| Texas ratio (adjusted) | 4.18% | 3.77% | +0.41 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 4.18% | 3.77% | +0.41 pts | See points |
| Tier 1 capital to risk-weighted assets | 13.17% | 14.67% | -1.50 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 13.17% | 14.67% | -1.50 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 14.43% | 15.93% | -1.50 pts | See points |
| Tier 1 leverage (approximate) | 9.23% | 9.50% | -0.27 pts | See points |
| Construction and land loans to total capital | 17.04% | 19.75% | -2.71 pts | See points |
| Commercial real estate to total capital | 104.68% | 97.03% | +7.65 pts | See points |
| Dividend payout, year to date | 92.11% | 106.06% | -13.96 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.02% | -0.72% | -0.30 pts | See points |
| Liquidity | ||||
| Core deposits | $79.1M | $80.7M | -$1.6M | -2.0% |
| Non-core funding | $9.0M | $8.0M | +$1.1M | +13.6% |
| Loans to core deposits | 95.38% | 86.71% | +8.66 pts | See points |
| Loans to deposits | 85.77% | 79.10% | +6.67 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 46.22% | 46.12% | +0.11 pts | See points |
| Loans pledged, share of loans | 46.73% | 52.01% | -5.28 pts | See points |
| Volatile liabilities | $9.0M | $8.0M | +$1.1M | +13.6% |
| Earnings | ||||
| Earnings before provision, year to date | $507K | $127K | +$380K | +299.2% |
| Earnings before provision, single quarter | $380K | $127K | +$253K | +199.2% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 7.24% | 6.69% | +0.54 pts | See points |
| Yield on interest-bearing balances due from banks | 129.41% | 3.77% | +125.64 pts | See points |
| Total interest income to average assets | 5.85% | 5.46% | +0.39 pts | See points |
| Cost of interest-bearing transaction accounts | 0.07% | 0.06% | +0.01 pts | See points |
| Cost of savings and money market deposits | 1.10% | 1.04% | +0.06 pts | See points |
| Cost of time deposits | 2.63% | 2.55% | +0.07 pts | See points |
| Total interest expense to average assets | 1.05% | 1.01% | +0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $101M | $88M | $75M | 0.91% | 9.73% | 5.29% |
| 2026-06-30 | $100M | $88M | $74M | 0.77% | 8.18% | 5.25% |
| 2026-03-31 | $100M | $88M | $69M | 0.40% | 4.26% | 5.03% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KY | $86.3M | 0.07% | 128 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.