Bank of the Mountains, Inc. (FDIC certificate #21219) is based in West Liberty, Kentucky. Its Q2 2026 call report shows $100.0M in total assets and $88.0M in deposits and 3 offices.
Bank of the Mountains, Inc. has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 98th. Problem-loan coverage contributes the most (92/100, 4.2%); capital cushion contributes the least (42/100, 9.23%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 5 points (69 → 64), mostly because the earnings component weakened by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 61 |
| Q4 2024 | 62 |
| Q1 2025 | 64 |
| Q2 2025 | 69 |
| Q3 2025 | 68 |
| Q4 2025 | 65 |
| Q1 2026 | 63 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.83% |
| Q3 2024 | 9.99% |
| Q4 2024 | 9.90% |
| Q1 2025 | 9.78% |
| Q2 2025 | 9.69% |
| Q3 2025 | 9.58% |
| Q4 2025 | 9.39% |
| Q1 2026 | 9.50% |
| Q2 2026 | 9.23% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.40% |
| Q3 2024 | 1.27% |
| Q4 2024 | 1.16% |
| Q1 2025 | 1.05% |
| Q2 2025 | 0.51% |
| Q3 2025 | 0.60% |
| Q4 2025 | 0.65% |
| Q1 2026 | 0.55% |
| Q2 2026 | 0.57% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.91% |
| Q3 2024 | 0.87% |
| Q4 2024 | 0.90% |
| Q1 2025 | 1.08% |
| Q2 2025 | 1.03% |
| Q3 2025 | 1.02% |
| Q4 2025 | 0.92% |
| Q1 2026 | 0.40% |
| Q2 2026 | 0.77% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $100.0M | 9.23% | 0.57% | 0.77% | 84.7% |
| Q1 2026 | 63 | $100.3M | 9.50% | 0.55% | 0.40% | 78.0% |
| Q4 2025 | 65 | $97.3M | 9.39% | 0.65% | 0.92% | 79.1% |
| Q3 2025 | 68 | $97.6M | 9.58% | 0.60% | 1.02% | 77.3% |
| Q2 2025 | 69 | $97.8M | 9.69% | 0.51% | 1.03% | 75.5% |
| Q1 2025 | 64 | $95.1M | 9.78% | 1.05% | 1.08% | 76.3% |
| Q4 2024 | 62 | $92.7M | 9.90% | 1.16% | 0.90% | 74.7% |
| Q3 2024 | 61 | $89.8M | 9.99% | 1.27% | 0.87% | 77.2% |
| Q2 2024 | 60 | $90.0M | 9.83% | 1.40% | 0.91% | 75.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Owingsville Banking CompanyBank Owingsville, KY | 67 out of 100, Moderate | $104.1M | 10.0% | 0.29% | vs |
| Fredonia Valley BankBank Fredonia, KY | 68 out of 100, Moderate | $119.8M | 11.5% | 1.19% | vs |
| Peoples Bank, Mt. WashingtonBank Mount Washington, KY | 70 out of 100, Strong | $120.0M | 10.6% | 1.17% | vs |
| Bedford Loan & Deposit BankBank Bedford, KY | 76 out of 100, Strong | $121.8M | 14.6% | 1.27% | vs |
| The Peoples BankBank Marion, KY | 73 out of 100, Strong | $135.3M | 11.6% | 0.23% | vs |
| Bank of BuffaloBank Buffalo, KY | 69 out of 100, Moderate | $140.5M | 9.8% | 0.69% | vs |
Deposit insurance
Is my money safe at Bank of the Mountains, Inc.?
Yes. Bank of the Mountains, Inc. is an FDIC-insured institution (FDIC certificate #21219). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.8% of deposits ($12.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.23%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.43% (benchmark: 10%).
3 locations
Branches
Bank of the Mountains, Inc. lists 3 offices in 3 cities. Most locations:
- Ezel, KY (1)
- Index, KY (1)
- West Liberty, KY (1)
Identity & history
Profile
- Legal name
- Bank of the Mountains, Inc.
- Type
- State-chartered bank
- FDIC certificate #
- 21219
- RSSD ID
- 422116
- Primary regulator
- FDIC
- Holding company
- Mountain Bcorp Inc
- Established
- September 15, 1973
- Headquarters
- 204 Court St, West Liberty, KY 41472
- Website
- www.bankofthemountains.com
- Employees
- 24
Quick answers
Bank of the Mountains, Inc.: common questions
Is Bank of the Mountains, Inc. FDIC insured?
Yes. Bank of the Mountains, Inc. is an FDIC-insured institution (FDIC certificate #21219). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of the Mountains, Inc.'s TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of the Mountains, Inc. ever failed?
There is no failure record for FDIC certificate #21219 in the FDIC failed bank list.
How many branches does Bank of the Mountains, Inc. have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near West Liberty
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Salyersville National BankBank Salyersville, KY | 89 out of 100, Very strong | $163.5M | 14.2% | 0.00% | vs |
| Morehead Community Federal Credit UnionCredit union Morehead, KY | 88 out of 100, Very strong | $65.1M | 13.5% | 0.50% | vs |
| Whitaker BankBank Lexington, KY | 84 out of 100, Strong | $1.9B | 12.9% | 0.21% | vs |
| The First National Bank of GraysonBank Grayson, KY | 79 out of 100, Strong | $371.9M | 13.0% | 0.96% | vs |
| Citizens Bank of Kentucky, Inc.Bank Paintsville, KY | 79 out of 100, Strong | $669.9M | 13.5% | 0.85% | vs |
| The Citizens BankBank Morehead, KY | 76 out of 100, Strong | $228.6M | 8.7% | 0.06% | vs |