Bank of the Mountains, Inc.
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Data as of · sourced from FFIEC call reports. How we update
Bank of the Mountains, Inc. is an FDIC-insured commercial bank headquartered in West Liberty, KY, established in 1973 (FDIC certificate 21219), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $100.0M, up 2.3% from Q2 2025, the 105th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 13.17% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 21219
- Headquarters
- West Liberty, KY
- Established
- 1973
- Total assets, Q2 2026
- $100.0M
- Assets vs Q2 2025
- +2.3%
- CET1 ratio, Q2 2026
- 13.17%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 042101750
- Latest call report
- Q2 2026, FFIEC 051 · Bank of the Mountains, Inc. call report
- Holding company
- MOUNTAIN BANCORP, INC.
- Asset rank in state
- 105th of 120 in Kentucky
Bank of the Mountains, Inc. earns an unusually wide margin on its lending. Based in West Liberty, Kentucky, it had $100 million in assets at June 30, 2026, up 2.3% from a year earlier. It keeps 5.69 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). It also pays an average of 1.20% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Net income for the quarter rose 20% from a year earlier, to $281,000. Over the same year, loans grew 14.2% and deposits grew 1.9%. Where it has less room is capital: it funds 9.23% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Bank of the Mountains, Inc. reported a CET1 capital ratio of 13.17%, a return on assets of 1.13%, a nonperforming-loan ratio of 0.57% and a Texas ratio of 4.18%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, Bank of the Mountains, Inc. is the 105th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.3% to $100.0M, loans rose 7.8% and deposits fell 0.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 43.6% of total loans, followed by other consumer loans at 16.6%. The FDIC Summary of Deposits lists 3 offices for it, in West Liberty, KY, Index, KY and Ezel, KY; its West Liberty office books 54% of its branch deposits. On its Q2 2026 call report, Bank of the Mountains, Inc. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 204 Court St, West Liberty, KY 41472
- County
- Morgan
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 15, 1973
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $88.0M
- Allowance for credit losses
- $946K
- Net charge-offs (YTD)
- $32K
- Average total assets
- $99.8M
- Average total loans
- $72.2M
- Average interest-bearing deposits
- $58.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 15, 1973
- FDIC Cert
- 21219
- Fed RSSD
- 422116
- Parent Holding Company
- MOUNTAIN BANCORP, INC. (RSSD 1071249)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Bank of the Mountains, Inc.'s total assets moved between a low of $86.0M (Q4 2023) and a high of $100.3M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$100.0M total assets against $97.8M; $90.7M total liabilities against $88.4M.
$74.5M net loans and leases against $65.2M; $88.0M total deposits against $86.3M.
$9.4M securities against $11.7M; $8.8M cash and balances due against $13.9M.
$1.5M total interest income against $1.4M; $263K total interest expense against $263K.
$1.2M net interest income against $1.1M.
$95K total noninterest income against $167K; $911K total noninterest expense against $991K.
$0 provision for credit losses against $0.
$281K net income against $234K.
1.13% return on assets against 0.97%; 5.69% net interest margin against 5.40%.
13.17% CET1 capital ratio against 14.23%; 9.23% tier 1 leverage ratio against 9.69%.
Inside the full Bank of the Mountains, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Its closest position to the top of a national ranking is 1,518 of 3,640, for Texas Ratio; its furthest is 3,663 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.40% (Q1 2026) to 1.13% (Q2 2026) and its net interest margin ran from 4.98% (Q1 2026) to 5.69% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.17% | 1.13% | 0.57% | 4.18% | 5.69% |
| Q1 2026 | 14.67% | 0.40% | 0.55% | 3.77% | 4.98% |
| Q4 2025 | 13.54% | 0.59% | 0.65% | 4.35% | 5.57% |
| Q3 2025 | 13.90% | 1.01% | 0.60% | 3.95% | 5.38% |
| Q2 2025 | 14.23% | 0.97% | 0.51% | 3.54% | 5.40% |
| Q1 2025 | 14.40% | 1.08% | 1.05% | 7.17% | 5.27% |
| Q4 2024 | 14.30% | 0.98% | 1.16% | 7.66% | 5.32% |
| Q3 2024 | 14.03% | 0.81% | 1.27% | 8.60% | 5.62% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of the Mountains, Inc. (main office) | West Liberty , KY | 41472 | $47.4M |
| Index Banking Branch | Index , KY | 41472 | $31.9M |
| Ezel Banking Branch | Ezel , KY | 41425 | $8.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KY, rank 127 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $138K approved, $138K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of the Mountains, Inc.
What are Bank of the Mountains, Inc.'s total assets?
As of the Q2 2026 filing, Bank of the Mountains, Inc. reported total assets of $100.0 million in its FFIEC call report.
Where is Bank of the Mountains, Inc. headquartered?
It is headquartered in West Liberty, KY, United States.
When was Bank of the Mountains, Inc. founded?
It was established in 1973, per the FDIC institution directory.
Is Bank of the Mountains, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21219). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of the Mountains, Inc.?
Bank of the Mountains, Inc.'s primary federal regulator is the FDIC.
What is Bank of the Mountains, Inc.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.17% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of the Mountains, Inc. operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of the Mountains, Inc.'s Texas Ratio?
Its Texas Ratio is 4.18% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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