Lamont Bank of St. John: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Net loans to equity capital climbed 15.06 percentage points in Q2 2026, from 35.34% to 50.41%. It was the largest change from Q1 2026 among the key lines here. Within Washington, Lamont Bank of St. John is 24th of 29 on loan-to-deposit ratio, 70.62% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Lamont Bank of St. John sits 2.99 points higher, at 70.62% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $35.1M |
| Net loans and leases | $32.6M |
| Loans held for sale | $0 |
| Loans to total assets | 69.21% |
| Loan-to-deposit ratio | 70.62% |
| Net loans to equity capital | 50.41% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 4.28% |
| Consumer | 11.30% |
| Credit cards | 0.00% |
| Farm | 41.65% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 4.61% |
| Interest income on loans | $407K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $46.2M | $52.1M | 0.00% | 15.46% | 19.41% |
| Q4 2023 | $41.2M | $52.8M | 0.00% | 13.58% | 19.90% |
| Q1 2024 | $44.8M | $52.4M | 0.00% | 12.45% | 18.03% |
| Q2 2024 | $48.1M | $51.5M | 0.00% | 11.50% | 16.84% |
| Q3 2024 | $48.5M | $56.9M | 0.00% | 10.43% | 16.90% |
| Q4 2024 | $43.1M | $61.2M | 0.00% | 7.45% | 19.75% |
| Q1 2025 | $42.0M | $56.8M | 0.00% | 5.13% | 21.11% |
| Q2 2025 | $43.4M | $52.1M | 0.00% | 4.90% | 18.60% |
| Q3 2025 | $40.3M | $55.8M | 0.00% | 5.90% | 18.12% |
| Q4 2025 | $36.2M | $56.0M | 0.00% | 4.59% | 19.74% |
| Q1 2026 | $34.0M | $52.4M | 0.00% | 4.90% | 10.08% |
| Q2 2026 | $35.1M | $49.7M | 0.00% | 4.28% | 11.30% |
Lamont Bank of St. John loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Lamont Bank of St. John, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Lamont Bank of St. John profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8681) · FFIEC NIC profile (RSSD 519874)