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Bank Of The Mountains, Inc.
West Liberty, KY · FDIC Certificate #21219 · Chartered 09/1
Total assets
$100.02M
Total deposits
$87.95M
Total equity
$9.29M
Net loans
$74.50M
Branches (offices)
3
Net income (YTD)
$380.00K
Rank: #3,676 of 4,213 U.S. banks by assets · #105 of 120 in Kentucky. Assets changed 2.3% and deposits 1.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.77% |
| Return on equity | 8.18% |
| Net interest margin (YTD) | 5.25% |
| Equity to assets | 9.29% |
| Tier 1 leverage ratio | 9.23% |
| Uninsured deposits (share of deposits) | 13.8% |
| Noncurrent loans (share of loans) | 0.57% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 84.7% |
| Real estate loans (share of loans) | 70.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $52.74M | 70.8% | |
| Commercial & industrial | $3.81M | 5.1% | |
| Consumer / individual | $17.57M | 23.6% | |
| Construction & development | $1.72M | 2.3% | |
| Agricultural | $1.32M | 1.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $87.77M | $78.56M | $262.00K | $8.11M |
| Jun 2023 | $90.00M | $79.80M | $385.00K | $8.26M |
| Jun 2024 | $89.95M | $79.22M | $401.00K | $8.69M |
| Jun 2025 | $97.80M | $86.28M | $488.00K | $9.35M |
| Jun 2026 | $100.02M | $87.95M | $380.00K | $9.29M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $87.95M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $87.95M.
Similar-sized banks
First State Bank ($100.25M) · Currie State Bank ($100.00M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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