Bank Comparison
Lamont Bank of ST. John vs Montezuma State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 13
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Lamont Bank of ST. John | Montezuma State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 6.57% | 14.34% |
| Equity / Assets | 5.68% | 13.88% |
Profitability
| Metric | Lamont Bank of ST. John | Montezuma State Bank |
|---|---|---|
| Return on Assets (ROA) | -12.84% | 1.61% |
| Return on Equity (ROE) | -181.19% | 11.35% |
| Net Interest Margin (NIM) | -0.93% | 3.91% |
| Yield on Earning Assets | 0.65% | 4.98% |
| Cost of Funds | 1.62% | 1.18% |
Asset quality
| Metric | Lamont Bank of ST. John | Montezuma State Bank |
|---|---|---|
| Texas Ratio | 160.33% | 17.24% |
| Non-Performing Loan Ratio | 15.79% | 5.67% |
| Non-Performing Asset Ratio | 11.10% | 2.30% |
| Net Charge-Off Ratio | 8.25% | -0.02% |
| ACL / Loans | 5.52% | 2.20% |
Balance sheet
| Metric | Lamont Bank of ST. John | Montezuma State Bank |
|---|---|---|
| Total Assets | $55,859K | $55,824K |
| Total Deposits | $52,420K | $47,763K |
| Total Loans | $34,771K | $22,673K |
| Total Equity | $3,172K | $7,749K |
| Net Income (quarter) | $-1,871 | $222 |
Liquidity & funding
| Metric | Lamont Bank of ST. John | Montezuma State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 66.33% | 47.47% |
| Core Deposit Ratio | 93.82% | 92.32% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Lamont Bank of ST. John | Montezuma State Bank |
|---|---|---|
| Headquarters City | SAINT JOHN | MONTEZUMA |
| Headquarters State | WA | IA |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 6 | 5 |
| Established | Jan. 1, 1908, midnight | Jan. 10, 1891, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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