Lamont Bank of St. John: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Lamont Bank of St. John of Saint John, WA against its peer group of 536 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 | -2.03% | 3.33% | -5.36% | 5th bottom |
| ROAE | -138.79% | 8.52% | -147.31% | 1st bottom |
| Net Interest Margin | 2.41% | 3.93% | -1.52% | 6th bottom |
| Efficiency Ratio | 180.68% | 84.32% | +96.36% | 3rd bottom |
| PPNR / Avg Assets | -2.03% | 1.56% | -3.59% | 3rd bottom |
| Yield on Earning Assets | 4.01% | 5.24% | -1.23% | 13th bottom |
| Cost of Funds | 1.74% | 1.67% | +0.07% | 40th below |
| Net Interest Spread | 1.76% | 3.30% | -1.54% | 7th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 48.61% | 1.34% | +47.27% | 0th bottom |
| NPA / Total Assets | 34.17% | 0.66% | +33.51% | 0th bottom |
| NCO / Avg Loans | -0.45% | 0.15% | -0.60% | 98th top |
| ACL / Total Loans | 7.13% | 1.52% | +5.61% | 99th top |
| ACL / NPLs (Coverage) | 14.67% | 723.35% | -708.68% | 2nd bottom |
| Texas Ratio | 563.88% | 7.67% | +556.21% | 0th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 177.24% | 285.38% | -108.14% | 76th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 2.67% | 127.13% | -124.46% | 0th bottom |
| Tier 1 Ratio | 2.67% | 127.15% | -124.48% | 0th bottom |
| Total Capital Ratio | 3.97% | 128.03% | -124.06% | 0th bottom |
| Leverage Ratio | 2.44% | 22.12% | -19.68% | 0th bottom |
| Equity / Assets | 1.28% | 20.76% | -19.48% | 0th bottom |
| TCE / Tangible Assets | 1.28% | 20.51% | -19.23% | 0th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Ahead of the peer average, behind the median peer. | 70.62% | 74.27% | -3.65% | 45th below |
| Core Deposit Ratio | 93.86% | 88.30% | +5.56% | 67th above |
| Wholesale Funding Ratio | 0.20% | 5.35% | -5.15% | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -15.86% | 3.85% | -19.71% | 2nd bottom |
| Loan Growth (Y/Y) | -19.08% | 6.89% | -25.97% | 2nd bottom |
| Deposit Growth (Y/Y) | -4.57% | 2.99% | -7.56% | 16th bottom |
See Lamont Bank of St. John's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Lamont Bank of St. John, 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 Lamont Bank of St. John profile, how to read a UBPR, or how this data updates.