Lamont Bank of St. John: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Non-performing loans to loans: 32.45 percentage points higher than in Q1 2026, at 48.61%. Lamont Bank of St. John has the 2nd lowest return on assets of the 29 banks headquartered in Washington, at -2.03% as of Q2 2026. Lamont Bank of St. John's return on assets of -2.03% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 3.00 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 2.67% |
| Tier 1 risk-based capital ratio | 2.67% |
| Total risk-based capital ratio | 3.97% |
| Tier 1 leverage ratio | 2.44% |
| Equity capital to assets | 1.28% |
| Tangible equity to tangible assets | 1.28% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 48.61% |
| Non-performing assets ratio | 34.17% |
| Net charge-off ratio | -0.45% |
| Texas ratio | 563.88% |
| Allowance for credit losses to loans | 7.13% |
| Reserve coverage of non-performing loans | 14.67% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -2.03% |
| Return on equity | -138.79% |
| Net interest margin | 2.41% |
| Efficiency ratio | 180.68% |
| Yield on earning assets | 4.01% |
| Cost of funds | 1.74% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.62% |
| Core deposits to total deposits | 93.86% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 98.01% |
| Securities to assets | 26.12% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 11.77% | 0.69% |
| Q4 2023 | — | — | — | 9.13% | -12.42% |
| Q1 2024 | — | — | — | 8.69% | -2.57% |
| Q2 2024 | — | — | — | 9.70% | 5.06% |
| Q3 2024 | — | — | — | 9.60% | -1.00% |
| Q4 2024 | — | — | — | 8.79% | -4.25% |
| Q1 2025 | — | — | — | 9.08% | -0.26% |
| Q2 2025 | — | — | — | 8.14% | -5.74% |
| Q3 2025 | — | — | — | 8.02% | -2.86% |
| Q4 2025 | 7.41% | 7.41% | 8.70% | 5.56% | -12.25% |
| Q1 2026 | 3.64% | 3.64% | 4.94% | 2.77% | -12.19% |
| Q2 2026 | 2.67% | 2.67% | 3.97% | 2.44% | -2.03% |
Lamont Bank of St. John vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Lamont Bank of St. John, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)