BanksBANK OF THE MOUNTAINS, INC.

BANK OF THE MOUNTAINS, INC.

WEST LIBERTY, KYMicroEst. Sept. 15, 1973, midnightFDIC #21219RSSD #422116FDIC
Latest · 2025-12-31

BANK OF THE MOUNTAINS, INC. is an FDIC-insured commercial bank headquartered in WEST LIBERTY, KY, established in Sept. 15, 1973, midnight. As of 2025-12-31, the bank reported total assets of $97M and total deposits of $86M. Profitability stands at 0.60% ROA and 6.31% ROE, with a net interest margin of 5.04%. CET1 capital ratio: 13.54%, well above regulatory minimums. NPL ratio: 0.54% · Texas Ratio: 3.59%. Operates 3 domestic branches.

Assets
$97M
Deposits
$86M
Loans
$69M
Equity
$9M

Profitability

Return on Assets (ROA)0.60%
Return on Equity (ROE)6.31%
Net Interest Margin5.04%
Yield on Assets6.30%
Cost of Funds1.30%

Asset Quality

NPL Ratio0.54%
Net Charge-Off Ratio0.07%
Texas Ratio3.59%
NPA Ratio0.38%
ACL / Loans1.42%

Capital & Liquidity

CET1 Ratio13.54%
Tier 1 Capital13.54%
Total Capital Ratio14.79%
Leverage Ratio9.39%
Loan-to-Deposit80.19%

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