Lamont Bank of St. John
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Data as of · sourced from FFIEC call reports. How we update
Lamont Bank of St. John is an FDIC-insured commercial bank headquartered in Saint John, WA, established in 1908 (FDIC certificate 8681), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $50.7M, down 15.9% from Q2 2025, the 27th largest of 29 banks headquartered in Washington. Its CET1 capital ratio was 2.67% at Q2 2026, below the 4.5% regulatory minimum.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8681
- Headquarters
- Saint John, WA
- Established
- 1908
- Total assets, Q2 2026
- $50.7M
- Assets vs Q2 2025
- -15.9%
- CET1 ratio, Q2 2026
- 2.67%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 125102676
- Latest call report
- Q2 2026, FFIEC 051 · Lamont Bank of St. John call report
- Asset rank in state
- 27th of 29 in Washington
Problem loans are rising at Lamont Bank of St. John. Based in Saint John, Washington, it had $51 million in assets at June 30, 2026, down 15.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 49.83% of loans from 1.96% a year earlier. It loses about $2.03 a year on every $100 of assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median $1.06). It also spends about 181 cents to bring in each dollar of revenue, 2.6 times the median of 69 cents for banks its size.
Its securities portfolio is underwater by $807,000, an amount equal to 63% of Tier 1 capital. It lost $267,000 in the quarter. Its margin is thin by comparison: it keeps 2.41 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.87 cents).
As of June 30, 2026, Lamont Bank of St. John reported a CET1 capital ratio of 2.67%, a return on assets of -2.03%, a nonperforming-loan ratio of 49.83% and a Texas ratio of 563.88%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Lamont Bank of St. John is the 27th largest of the 29 banks headquartered in Washington. Between Q1 2026 and Q2 2026, its total assets fell 5.3% to $50.7M, loans rose 3.3% and deposits fell 5.1%. Farmland and other real estate loans made up 41.6% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 38.4%. Its one office in the FDIC Summary of Deposits is in Saint John, WA. Judged on its Q2 2026 call report, Lamont Bank of St. John falls below at least one capital ratio minimum for adequately capitalized.
Headquarters Profile
- Address
- 6 E Front St, Saint John, WA 99171
- County
- Whitman
- Metro Area
- Pullman, WA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1908
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 6
- Domestic deposits
- $49.7M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $747K
- Average total assets
- $52.7M
- Average total loans
- $35.3M
- Average interest-bearing deposits
- $34.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8681
- Fed RSSD
- 519874
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
Over the 12 quarters to Q2 2026, Lamont Bank of St. John's total assets ran between $50.7M (Q2 2026) and $72.7M (Q3 2023), and it earned a profit in 2 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$50.7M total assets against $60.3M; $50.1M total liabilities against $55.9M.
$32.6M net loans and leases against $41.9M; $49.7M total deposits against $52.1M.
$13.3M securities against $12.9M; $3.5M cash and balances due against $2.8M.
$526K total interest income against $765K; $210K total interest expense against $360K.
$316K net interest income against $405K.
$6K total noninterest income against $19K; $589K total noninterest expense against $362K.
$0 provision for credit losses against $1.0M.
-$267K net income against -$938K.
-2.03% return on assets against -5.74%; 2.41% net interest margin against 2.58%.
2.67% CET1 capital ratio; 2.44% tier 1 leverage ratio against 8.14%.
Inside the full Lamont Bank of St. John terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
The bank's Common Equity Tier 1 ratio is below the 7% effective floor (4.5% minimum + 2.5% conservation buffer): triggers regulatory restrictions on dividends, buybacks, and discretionary bonuses. Basel III capital conservation buffer, 12 CFR 217.11.
A Texas Ratio above 100% means non-performing assets exceed the bank's capital and reserves. Historically correlates with elevated failure risk per the 1980s Texas banking crisis from which the ratio was named. Analyst heuristic (Cassidy/RBC), not a supervisory threshold.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Lamont Bank of St. John rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -12.25% (Q4 2025) to -0.26% (Q1 2025) and its net interest margin ran from -0.42% (Q1 2026) to 3.83% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 2.67% | -2.03% | 49.83% | 563.88% | 2.41% |
| Q1 2026 | 3.64% | -12.19% | 21.94% | 245.05% | -0.42% |
| Q4 2025 | 7.41% | -12.25% | 4.92% | 38.94% | 0.16% |
| Q3 2025 | — | -2.86% | 8.31% | 58.17% | 3.83% |
| Q2 2025 | — | -5.74% | 1.96% | 14.36% | 2.58% |
| Q1 2025 | — | -0.26% | 2.10% | 15.17% | 2.36% |
| Q4 2024 | — | -4.25% | 2.45% | 16.31% | 1.89% |
| Q3 2024 | — | -1.00% | 3.05% | 19.08% | 2.20% |
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Branch Network
View the branch → 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 |
|---|---|---|---|
| Lamont Bank of St. John (main office) | Saint John , WA | 99171 | $49.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in WA, rank 53 of 61 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Lamont Bank of St. John
What are Lamont Bank of St. John's total assets?
As of the Q2 2026 filing, Lamont Bank of St. John reported total assets of $50.7 million in its FFIEC call report.
Where is Lamont Bank of St. John headquartered?
It is headquartered in Saint John, WA, United States.
When was Lamont Bank of St. John founded?
It was established in 1908, per the FDIC institution directory.
Is Lamont Bank of St. John FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8681). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lamont Bank of St. John?
Lamont Bank of St. John's primary federal regulator is the FDIC.
What is Lamont Bank of St. John's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 2.67% in its Q2 2026 call report, below the 4.5% regulatory minimum.
How many branches does Lamont Bank of St. John operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Lamont Bank of St. John's Texas Ratio?
Its Texas Ratio is 563.88% in its Q2 2026 call report, elevated; historically a Texas Ratio above 100% correlates with elevated failure risk. The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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