Bank of the Mountains, Inc.: how it compares with its peers
Against 31 KY banks with half to twice its assets, Bank of the Mountains, Inc.'s strongest measure in Q2 2026 is net interest margin (5.25% vs. a 4.14% peer median). Its weakest relative measure is efficiency ratio (79.77% vs. 66.50%).
| Measure | Bank of the Mountains, Inc. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.77% | 1.09% | Bottom third Ahead of 23% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.25% | 4.14% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 79.77% | 66.50% | Bottom third Ahead of 13% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.2M | $5.2M | Bottom third Ahead of 13% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.70% | 77.44% | Context |
What it means for lending operations
Its efficiency ratio of 79.77% is above the 66.50% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Owingsville Banking Company Owingsville, KY · $104M
- Citizens Bank of Cumberland County, Inc. Burkesville, KY · $95M
- First Federal Savings and Loan Association Hazard, KY · $81M
- Fredonia Valley Bank Fredonia, KY · $120M
- Peoples Bank, Mt. Washington Mount Washington, KY · $120M
- Bedford Loan & Deposit Bank Bedford, KY · $122M
Questions about Bank of the Mountains, Inc.
How big is Bank of the Mountains, Inc.?
Bank of the Mountains, Inc., established in 1973, is headquartered in West Liberty, KY. It reported $100M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Bank of the Mountains, Inc.'s return on assets?
0.77% annualized in Q2 2026, against a 1.09% median for 31 KY banks with half to twice its assets, ahead of 23% of them.
What is Bank of the Mountains, Inc.'s efficiency ratio?
79.77% in Q2 2026: it spent about 80 cents in noninterest expense for each dollar of revenue. The peer median is 66.50%, and lower is better.
Is Bank of the Mountains, Inc. growing its loans?
Net loans grew 14.3% over the year to Q2 2026, while deposits grew 1.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.