FDIC certificate 8681
Lamont Bank of St. John
Saint John, Washington · 6 E Front St 99171
Hunter Score
This bank ranks below the middle of its size group.
Up 2 points from last quarter.
Compared with 534 banks with under $100 million in assets.
A high score is not a recommendation to buy or sell.
What stands out
Lamont Bank of St. John has a Hunter Score of 2 out of 100 for Q2 2026, ending June 30, 2026. This bank ranks below the middle of its size group. The comparison is with banks with under $100 million in assets.
The FDIC reported efficiency ratio of 165.50% (field EEFFR). Among banks with under $100 million in assets, the peer rank for this measure is 3 out of 100. A rank of 50 is typical.
The FDIC reported noncurrent loans of 49.79% (field NCLNLSR). Among banks with under $100 million in assets, the peer rank for this measure is 0 out of 100. A rank of 50 is typical.
Warning flags
These are factual readings from FDIC fields. A flag is a reason to read the number, not a finding that the bank is unsafe.
- Unrealized securities loss is at least a quarter of equityAvailable-for-sale securities were $13,256,000 at fair value and $14,063,000 at amortized cost (FDIC fields SCAF and SCAA). The difference is an unrealized loss of $807,000, equal to 88% of total equity. We flag this at 25% of equity. It is not an FDIC limit. Held-to-maturity unrealized losses are not included, because this file does not publish a held-to-maturity cost we can subtract from fair value without guessing.
- Noncurrent loans are at least 3% of loansNoncurrent loans were 49.79% of loans (FDIC field NCLNLSR). Among banks that reported this ratio, the middle reading is 0.46%. We flag this at 3% of loans. That is not a legal limit.
Held-to-maturity unrealized losses are not flagged. The FDIC file does not publish a held-to-maturity cost that we can subtract from fair value without guessing.
Similar banks
Other banks in Washington with under $100 million in assets, ordered by Hunter Score.
Top Hunter Scores in Washington · Top scores with under $100 million in assets
The five measures
Numbers below are for Q2 2026, ending June 30, 2026. They are copied from the FDIC. We do not recalculate them.
Return on equity (ROE)
-228.84%
Profit for each dollar of the bank's capital. Higher is stronger.
Peer rank 0 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as ROE. A common benchmark is above 10%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Return on assets (ROA)
-6.23%
Profit for each dollar of assets. Higher is stronger.
Peer rank 2 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as ROA. A common benchmark is above 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Net interest margin (NIM)
1.62%
The gap between what the bank earns on loans and securities and what it pays for funding. Higher means a wider gap.
Peer rank 2 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as NIMY. A common benchmark is above 3%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Efficiency ratio
165.50%
What the bank spends to produce a dollar of revenue. Lower is leaner.
Peer rank 3 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as EEFFR. A common benchmark is below 60%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Noncurrent loans
49.79%
Loans that are past due or no longer accruing interest, as a share of all loans. Lower is safer.
Peer rank 0 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as NCLNLSR. A common benchmark is below 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Recent quarters
- Q2 2026, ending June 30, 20262 out of 100
- Q1 2026, ending March 31, 20260 out of 100
- Q4 2025, ending December 31, 20253 out of 100
- Q3 2025, ending September 30, 20256 out of 100
- Q2 2025, ending June 30, 20259 out of 100
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About this bank
- Total assets
- $51.1 million
- Deposits
- $49.7 million
- Equity
- $919,000
- Tangible equity
- $919,000Bank-level FDIC equity minus goodwill and other intangible assets (FDIC fields EQ and INTANGW). This is not the holding company's tangible book, and it is not per share.
- Offices
- 1
- Charter
- State bank, not a Federal Reserve member
- Specialty
- Agricultural Specialization
- Community bank
- Yes, by the FDIC definition
- Net income
- -$1.7 millionYear-to-date, as reported. Not annualized.
Holding company and stock symbol
This bank does not report a holding company. The Federal Reserve RSSD for the bank is 519874.
We do not have a verified stock symbol for this bank. Many community banks are not publicly traded. A symbol is shown only after it matches an SEC filing, or after it is added to the reviewed list.
What is this bank worth per share?
Where it is
6 E Front St, Saint John, WA 99171
Showing the main office reported to the FDIC. Use the plus and minus buttons on the map to zoom. Map data is from OpenStreetMap.