Lamont Bank of St. John: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs rose to 48.61% from 16.15% in the prior period. Lamont Bank of St. John is an FDIC-insured commercial bank. Earnings turned negative this period, with ROA at -2.03%. Lamont Bank of St. John's Q2 2026 balance sheet shows $51M in assets funded primarily by $50M in customer deposits. Capital is below the regulatory minimum, 2.67% CET1 vs the 4.5% floor. Asset quality is impaired, with nonperforming loans at 48.61%. The bank operates from a single office.
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 48.61%, a Texas ratio of 563.88%, per financial data filed with the FFIEC.
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
- Offices
- 1 domestic
- Employees (FTE)
- 6
- Domestic deposits
- $49.7M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $747K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8681
- Fed RSSD
- 519874
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Lamont Bank of St. John terminal
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Unlock Lamont Bank of St. John, 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.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
Lamont Bank of St. John rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 2.67% | -2.03% | 48.61% | 563.88% | 2.41% |
| Q1 2026 | 3.64% | -12.19% | 16.15% | 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% | 3.35% | 24.18% | 2.36% |
| Q4 2024 | — | -4.25% | 3.31% | 21.98% | 1.89% |
| Q3 2024 | — | -1.00% | 4.15% | 25.97% | 2.20% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 1 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Lamont Bank of St. John (main office) | Saint John , WA | 99171 | $49.7M |
Regulatory record
What the public regulatory sources show for Lamont Bank of St. John, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in WA, rank 53 of 63 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Lamont Bank of St. John headquartered?
Lamont Bank of St. John is headquartered in Saint John, WA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Lamont Bank of St. John founded?
Lamont Bank of St. John was established in 1908, per the FDIC institution directory.
Is Lamont Bank of St. John FDIC-insured?
Yes. Lamont Bank of St. John 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Lamont Bank of St. John's CET1 capital ratio?
Lamont Bank of St. John 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?
Lamont Bank of St. John 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?
Lamont Bank of St. John's 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; the glossary entry for the Texas Ratio carries the full definition.
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