Lamont Bank of St. John: how it compares with its peers
Against 527 U.S. banks with half to twice its assets, Lamont Bank of St. John's strongest measure in Q2 2026 is assets per employee ($8.5M vs. a $6.1M peer median). Its weakest relative measure is return on assets (-6.23% vs. 1.03%).
| Measure | Lamont Bank of St. John | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -6.23% | 1.03% | Bottom third Ahead of 2% of peers |
| Net interest margin Annualized net interest income over earning assets. | 1.62% | 3.87% | Bottom third Ahead of 2% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 165.50% | 69.75% | Bottom third Ahead of 3% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.5M | $6.1M | Top third Ahead of 84% of peers |
| Loans to deposits Net loans and leases over total deposits. | 65.63% | 67.03% | Context |
What it means for lending operations
Its efficiency ratio of 165.50% is above the 69.75% 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
- Brighton Bank Brighton, TN · $51M
- FMB Bank Wright City, MO · $51M
- The Merchants & Planters Bank Clarendon, AR · $51M
- The State Exchange Bank Mankato, KS · $51M
- Rayne Building and Loan Association Rayne, LA · $51M
- Peoples Bank of Deer Lodge Deer Lodge, MT · $51M
Questions about Lamont Bank of St. John
How big is Lamont Bank of St. John?
Lamont Bank of St. John, established in 1908, is headquartered in Saint John, WA. It reported $51M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Lamont Bank of St. John's return on assets?
-6.23% annualized in Q2 2026, against a 1.03% median for 527 U.S. banks with half to twice its assets, ahead of 2% of them.
What is Lamont Bank of St. John's efficiency ratio?
165.50% in Q2 2026: it spent about 165 cents in noninterest expense for each dollar of revenue. The peer median is 69.75%, and lower is better.
Is Lamont Bank of St. John growing its loans?
Net loans shrank 22.2% over the year to Q2 2026, while deposits shrank 4.6%.
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 U.S. 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 Washington bank ranked.