Bank of the Mountains, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of the Mountains, Inc. of West Liberty, KY against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.13% | 1.34% | -0.21% | 40th below |
| ROAE | 12.11% | 13.32% | -1.21% | 49th below |
| Net Interest Margin | 5.69% | 3.93% | +1.76% | 98th top |
| Efficiency Ratio | 70.57% | 61.13% | +9.44% | 27th below |
| PPNR / Avg Assets | 1.52% | 1.68% | -0.16% | 46th below |
| Yield on Earning Assets | 6.94% | 5.67% | +1.27% | 94th top |
| Cost of Funds | 1.20% | 1.88% | -0.68% | 85th top |
| Net Interest Spread | 5.15% | 3.32% | +1.83% | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.56% | 0.94% | -0.38% | 42nd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.42% | 0.70% | -0.28% | 42nd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.12% | 0.16% | -0.04% | 17th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.25% | 1.28% | -0.03% | 56th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 224.17% | 1546.26% | -1322.09% | 51st above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.18% | 7.34% | -3.16% | 46th below |
| Provision / NCO | 0.00% | 1395.07% | -1395.07% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.17% | 19.49% | -6.32% | 30th below |
| Tier 1 Ratio | 13.17% | 19.52% | -6.35% | 30th below |
| Total Capital Ratio | 14.43% | 20.61% | -6.18% | 31st below |
| Leverage Ratio | 9.23% | 12.14% | -2.91% | 16th bottom |
| Equity / Assets | 9.29% | 11.36% | -2.07% | 32nd below |
| TCE / Tangible Assets | 9.29% | 11.08% | -1.79% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.77% | 80.66% | +5.11% | 38th below |
| Core Deposit Ratio | 89.93% | 86.85% | +3.08% | 54th above |
| Wholesale Funding Ratio | 0.18% | 5.04% | -4.86% | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.27% | 6.84% | -4.57% | 34th below |
| Loan Growth (Y/Y) | 14.19% | 7.92% | +6.27% | 85th top |
| Deposit Growth (Y/Y) | 1.94% | 6.29% | -4.35% | 35th below |
See Bank of the Mountains, Inc.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of the Mountains, Inc., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of the Mountains, Inc. profile, how to read a UBPR, or how this data updates.