Total Assets
$97M
Total balance-sheet footings
FDIC Cert #21219 · West Liberty, Kentucky · Est. 1973
Bank of the Mountains, Inc. - FDIC Bank Health Profile
A community-scale look at Bank of the Mountains, Inc.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $97M
- Total assets
- B
- Health grade · Good
- 0.92%
- Return on assets
- 13.5%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of the Mountains, Inc. earns a PlainBankData health grade of B (73/100), with well-capitalized at 13.54% Tier 1, 0.92% ROA, 75% efficiency ratio.
- #3,759
- largest of 4,313 FDIC banks by assets
- 13th
- percentile by asset size, nationally
- 13.54%
- Tier 1 ratio - above the 10% well-capitalized line
- 37th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Bank of the Mountains, Inc.'s 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of the Mountains, Inc.'s composite health score
Tier 1 Capital Ratio (13.54%) 35/40
Return on Assets (ROA) (0.92%) 14/25
Texas Ratio (4.35%) 20/20
Efficiency Ratio (75.07%) 4/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$86M
Customer-funded liabilities
Net Loans
$68M
Outstanding loan book
Net Income
$881K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of the Mountains, Inc. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of the Mountains, Inc.'s score of 73/100 falls in the highlighted band.
Bank of the Mountains, Inc.'s size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of the Mountains, Inc.'s $97M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.54% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.54%
Texas Ratio
4.35%
Equity Capital
$9M
Profitability metrics
Return on Assets (ROA)
37th percentile nationally
0.92%
Return on Equity (ROE)
9.53%
Efficiency Ratio
75.07%
What the numbers say about Bank of the Mountains, Inc.
Bank of the Mountains, Inc. is an FDIC-insured institution (Certificate #21219) headquartered in West Liberty, Kentucky, established in 1973. It holds $97M in total assets - 3,759th of 4,313 FDIC-insured banks, $86M in customer deposits, and $68M in net loans. On safety, its Tier 1 capital ratio of 13.54% is above the 10% well-capitalized threshold, and its Texas Ratio of 4.35% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (73/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Bank of the Mountains, Inc. ranks 106th of 120 banks based in Kentucky -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$6M
Interest Income
$632K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of the Mountains, Inc. reports a Texas Ratio of 4.35% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.35% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kentucky by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of the Mountains, Inc. (FDIC Cert #21219) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Stock Yards Bank & Trust CompanyLouisville | $9.5B | A | 1.57% |
| Republic Bank & Trust CompanyLouisville | $7.0B | A | 1.89% |
| Community Trust Bank, Inc.Pikeville | $6.6B | A | 1.50% |
| Central Bank & Trust Co.Lexington | $3.9B | B | 1.16% |
| Independence Bank of KentuckyOwensboro | $3.8B | B | 0.80% |
| Traditional Bank, Inc.Mount Sterling | $2.5B | B | 0.80% |
| Heritage Bank, Inc.Burlington | $2.1B | B | 1.08% |
| South Central Bank, Inc.Glasgow | $2.1B | A | 1.25% |
Frequently asked questions
What is Bank of the Mountains, Inc.'s health grade?▼
Bank of the Mountains, Inc. receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Bank of the Mountains, Inc.?▼
Bank of the Mountains, Inc. holds $97M in total assets and $86M in deposits, ranking 3,759th of 4,313 FDIC-insured banks by asset size. It is headquartered in West Liberty, Kentucky.
Is my money safe at Bank of the Mountains, Inc.?▼
Yes, deposits at Bank of the Mountains, Inc. (Certificate #21219) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of the Mountains, Inc.'s Tier 1 Capital Ratio?▼
Bank of the Mountains, Inc. has a Tier 1 Capital Ratio of 13.54%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Bank of the Mountains, Inc.?▼
Bank of the Mountains, Inc. has a Texas Ratio of 4.35%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of the Mountains, Inc.?▼
Bank of the Mountains, Inc. has an Efficiency Ratio of 75.07%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of the Mountains, Inc.'s profile as a depositor or analyst.
- Bank of the Mountains, Inc.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of the Mountains, Inc. against other Kentucky banks before moving funds. Kentucky banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.