BlastPoint's Banking Scorecard
Bank of the Mountains, Inc.
Micro
Specialty: Other
KY
FDIC cert 21219
Designations: ✓ Community bank
West Liberty, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Bank of the Mountains, Inc. demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.34% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$97.3M
+4.9% YoY
-0.4% QoQ
|
-$120.2M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$67.8M
+11.1% YoY
+1.8% QoQ
|
-$71.4M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$85.8M
+5.0% YoY
-0.4% QoQ
|
-$97.9M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
0.92%
+1.6% YoY
-10.2% QoQ
|
-0.17% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
41% |
| Net Interest Margin ? |
5.20%
+4.5% YoY
+0.6% QoQ
|
+1.34% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
75.07%
+2.7% YoY
+1.2% QoQ
|
+7.34% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? |
0.66%
-43.9% YoY
+8.9% QoQ
|
+0.02% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
79.05%
+5.8% YoY
+2.2% QoQ
|
+4.52% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
32.97%
-7.4% YoY
-4.6% QoQ
|
+10.57% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
85% |
| Nonperforming Asset Ratio ? |
0.46%
-44.0% YoY
+11.3% QoQ
|
+0.01% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
13.54%
-5.3% YoY
-2.6% QoQ
|
+4.68% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.65%
-17.9% YoY
+34.4% QoQ
|
+0.09% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
80% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 7%
in Micro
Why this stands out
Current:
5.20%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Net Interest Margin
Current: 5.20% · Tier avg: 3.85%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 32.97% · Tier avg: 22.39%
80
80th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.56%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.54% · Tier avg: 8.85%
45
45th pctile
Loan-to-Deposit Ratio
Current: 79.05% · Tier avg: 74.53%
41
41th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.08%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.46% · Tier avg: 0.45%
39
39th pctile
Delinquency Rate
Current: 0.66% · Tier avg: 0.64%
28
28th pctile
Efficiency Ratio
Current: 75.07% · Tier avg: 67.73%
28
28th pctile
Total Loans
Current: $67.8M · Tier avg: $139.2M
23
23th pctile
Total Deposits
Current: $85.8M · Tier avg: $183.7M
22
22th pctile
Total Assets
Current: $97.3M · Tier avg: $217.5M
Top Weaknesses
22
22th pctile
Total Assets
Current: $97.3M · Tier avg: $217.5M
23
23th pctile
Total Deposits
Current: $85.8M · Tier avg: $183.7M
28
28th pctile
Total Loans
Current: $67.8M · Tier avg: $139.2M
28
28th pctile
Efficiency Ratio
Current: 75.07% · Tier avg: 67.73%
39
39th pctile
Delinquency Rate
Current: 0.66% · Tier avg: 0.64%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.46% · Tier avg: 0.45%
41
41th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.08%
45
45th pctile
Loan-to-Deposit Ratio
Current: 79.05% · Tier avg: 74.53%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.54% · Tier avg: 8.85%
80
80th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.56%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 32.97% · Tier avg: 22.39%
93
93th pctile
Net Interest Margin
Current: 5.20% · Tier avg: 3.85%