FDIC Cert #8681 · Saint John, Washington · Est. 1908

Lamont Bank of St. John - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$61M
Total assets
F
Health grade · At Risk
-1.19%
Return on assets
9.4%
Tier 1 capital

Data updated July 2026

The verdict

Lamont Bank of St. John earns a PlainBankData health grade of F (28/100), with 9.35% Tier 1 capital, -1.19% ROA, 82% efficiency ratio.

#4,044
largest of 4,313 FDIC banks by assets
6th
percentile by asset size, nationally
9.35%
Tier 1 ratio - below the 10% well-capitalized line
2nd
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 8681 · WA F · 28/100

GRADE-F · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-HEALTHY · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-F F (28/100)
  • BOTTOM-DECILE #4278/4307
  • PHOTO-FINISH Unity Bank · WI
  • TIER1-ADEQ 9.4% Tier 1
  • TEXAS-HEALTHY 22.8% Texas
  • ROA-LOSS -1.19% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Washington: Unity Bank, WI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Lamont Bank of St. John

Lowest and highest poles plus nearest scored peers outside Washington, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Chesterfield State B… · IL ·…28/100Grand Rivers Communi… · IL ·…28/100Lamont Bank of St. J… · WA ·…28/100The Lemont National… · IL · …28/100Unity Bank · WI · near28/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Lamont Bank of St. John · July 2026

Call Report read for Lamont Bank of St. John in a high-failure state

Lamont Bank of St. John (FDIC Cert #8681) carries a PlainBankData health grade of F at 28/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,278 of 4,307. Tier 1 capital prints at 9.35%, missing the 10% well-capitalized line. The Texas Ratio is 22.78%, inside the sub-50% band analysts treat as healthy. Return on assets is -1.19%. Balance-sheet scale is $61M, 4,044th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Unity Bank (WI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Lamont Bank of St. John

19 FAILURE resolutions in Washington since 2000, heavy vs the state corpus

Lamont Bank of St. John sits in one of the heavier post-2000 FAILURE states (19 resolutions; latest year 2015). The list below is state history from the Failed Bank List, not a claim about Lamont Bank of St. John's current Call Report.

  • HOMETOWN NATIONAL BANK LONGVIEW, WA 2015 → TWIN CITY BANK
  • WESTSIDE COMMUNITY BANK UNIVERSITY PLACE, WA 2013 → SUNWEST BANK
  • BANK OF WHITMAN COLFAX, WA 2011 → COLUMBIA STATE BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Washington banks.

How Lamont Bank of St. John's 28/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10028/100
Lamont Bank of St. John's composite health score
Tier 1 Capital Ratio (9.35%) 18/40
Return on Assets (ROA) (-1.19%) 0/25
Texas Ratio (22.78%) 10/20
Efficiency Ratio (81.63%) 0/15

28 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$61M

Total balance-sheet footings

Total Deposits

$56M

Customer-funded liabilities

Net Loans

$36M

Outstanding loan book

Net Income

$-763K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.95% 9.35% 10.75%
Basel III capital ratios - Lamont Bank of St. John

Where Lamont Bank of St. John ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Lamont Bank of St. John's score of 28/100 falls in the highlighted band.

Lamont Bank of St. John: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

28 1st percentile higher than 1% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). This entry sits in this band. 30–40: 36 FDIC-insured banks (1%). Above this entry. 40–50: 98 FDIC-insured banks (2%). Above this entry. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Lamont Bank of St. John 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Lamont Bank of St. John'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). Lamont Bank of St. John's $61M falls in the highlighted band.

Capital & credit buffers at Lamont Bank of St. John

Tier 1 capital ratio
Well-capitalized 10%

9.35% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.35%
Texas Ratio
22.78%
Equity Capital
$5M

What these ratios mean →

Profitability metrics: Lamont Bank of St. John

Return on Assets (ROA)
2nd percentile nationally
-1.19%
Return on Equity (ROE)
-15.28%
Efficiency Ratio
81.63%

What these mean →

Income & expense: loss period at Lamont Bank of St. John

$3M
Interest Income
$78K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Lamont Bank of St. John reports a Texas Ratio of 22.78% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

22.78% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Lamont Bank of St. John

Lamont Bank of St. John's grade of F reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-763K for the period, a loss that, if sustained, erodes the equity cushion. Its Tier 1 capital ratio of 9.35% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Lamont Bank of St. John up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Lamont Bank of St. John on FDIC BankFind →

Top banks in Washington by total assets

Largest banks headquartered in Washington
  1. 1
    WaFd Bank $27.3B

    Seattle, WA · Grade B

  2. 2
    Banner Bank $16.3B

    Walla Walla, WA · Grade A

  3. 3
    Washington Trust Bank $10.7B

    Spokane, WA · Grade B

  4. 4
    Heritage Bank $7.0B

    Olympia, WA · Grade A

  5. 5
    Coastal Community Bank $4.7B

    Everett, WA · Grade A

Top 5 banks in Washington ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($61M here), outside Washington so the neighborhood is not state containment.

Commerce Bank Texas $61M · TX Stanton State Bank $61M · NE Tri-County Trust Company $62M · MO First National Bank in Frankfort $62M · KS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Lamont Bank of St. John (FDIC Cert #8681) - 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.

Lamont Bank of St. John Call Report profile · FDIC Failed Bank List · Washington FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Washington

All Washington banks →
BankAssetsGradeROA
WaFd BankSeattle $27.3B B 0.91%
Banner BankWalla Walla $16.3B A 1.24%
Washington Trust BankSpokane $10.7B B 0.89%
Heritage BankOlympia $7.0B A 1.07%
Coastal Community BankEverett $4.7B A 1.11%
1st Security Bank of WashingtonMountlake Terrace $3.2B A 1.14%
Peoples BankBellingham $2.5B B 1.00%
Cashmere Valley BankCashmere $2.3B A 1.33%