LAMONT BANK OF ST. JOHN

SAINT JOHN, WA | Micro | Est. Jan. 1, 1908, midnight | FDIC #8681 | RSSD #519874 | FDIC
Latest Report: 2025-12-31

LAMONT BANK OF ST. JOHN is amn micro FDIC-insured commercial bank headquartered in SAINT JOHN, WA, established in Jan. 1, 1908, midnight. As of 2025-12-31, the bank reported total assets of $61M and total deposits of $56M. Profitability stands at -0.04% ROA and -0.48% ROE, with a net interest margin of 3.08%. The bank's CET1 capital ratio is 8.29%. Asset quality metrics show a non-performing loan ratio of 3.89% and a Texas Ratio of 22.78%. FDIC Certificate #8681. The institution operates 1 domestic branch.

Assets

$61M

Deposits

$56M

Loans

$37M

Equity

$5M

Profitability

Return on Assets (ROA) -0.04%
Return on Equity (ROE) -0.48%
Net Interest Margin (NIM) 3.08%
Yield on Assets 4.40%
Cost of Funds 1.88%

Asset Quality

NPL Ratio 3.89%
Net Charge-Off Ratio 3.25%
Texas Ratio 22.78%
NPA Ratio 2.34%
ACL / Loans 3.29%

Capital & Liquidity

CET1 Ratio 8.29%
Tier 1 Capital 8.29%
Total Capital Ratio 8.70%
Leverage Ratio 9.35%
Loan-to-Deposit 65.97%

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