Headquartered in Saint John, Washington, Lamont Bank of St. John is a state-chartered bank with $51.1M in total assets and $49.7M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1908.
Lamont Bank of St. John has a TellerScore of 14 out of 100 (low) based on Q2 2026 data — higher than only 0% of its 546 banks with under $100 million in assets. Among 29 banks headquartered in Washington, it ranks 29th. Funding & liquidity contributes the most (95/100, 66% loans-to-deposits, 9% uninsured); problem-loan coverage contributes the least (0/100, 519.1%).
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 23 points (37 → 14), mostly because the problem-loan coverage component weakened by 71 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 40 |
| Q4 2024 | 36 |
| Q1 2025 | 41 |
| Q2 2025 | 37 |
| Q3 2025 | 23 |
| Q4 2025 | 19 |
| Q1 2026 | 15 |
| Q2 2026 | 14 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.70% |
| Q3 2024 | 9.60% |
| Q4 2024 | 8.79% |
| Q1 2025 | 9.08% |
| Q2 2025 | 8.14% |
| Q3 2025 | 8.02% |
| Q4 2025 | 5.56% |
| Q1 2026 | 2.77% |
| Q2 2026 | 2.95% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.85% |
| Q3 2024 | 3.05% |
| Q4 2024 | 2.45% |
| Q1 2025 | 2.10% |
| Q2 2025 | 1.96% |
| Q3 2025 | 8.31% |
| Q4 2025 | 4.92% |
| Q1 2026 | 21.94% |
| Q2 2026 | 49.79% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.36% |
| Q3 2024 | 0.55% |
| Q4 2024 | -0.68% |
| Q1 2025 | -0.26% |
| Q2 2025 | -2.98% |
| Q3 2025 | -2.92% |
| Q4 2025 | -5.05% |
| Q1 2026 | -12.11% |
| Q2 2026 | -6.23% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 14 | $51.1M | 2.95% | 49.79% | -6.23% | 65.6% |
| Q1 2026 | 15 | $53.6M | 2.77% | 21.94% | -12.11% | 60.1% |
| Q4 2025 | 19 | $59.0M | 5.56% | 4.92% | -5.05% | 61.2% |
| Q3 2025 | 23 | $60.7M | 8.02% | 8.31% | -2.92% | 69.5% |
| Q2 2025 | 37 | $60.3M | 8.14% | 1.96% | -2.98% | 80.5% |
| Q1 2025 | 41 | $66.5M | 9.08% | 2.10% | -0.26% | 73.2% |
| Q4 2024 | 36 | $71.1M | 8.79% | 2.45% | -0.68% | 68.3% |
| Q3 2024 | 40 | $71.8M | 9.60% | 3.05% | 0.55% | 82.4% |
| Q2 2024 | 67 | $71.6M | 9.70% | 0.85% | 1.36% | 90.4% |
546 peers · Under $100 million in assets
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 Washington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers State BankBank Winthrop, WA | 86 out of 100, Very strong | $47.4M | 12.4% | 0.00% | vs |
| Sound Banking CompanyBank Lakewood, WA | 82 out of 100, Strong | $45.2M | 12.1% | 0.00% | vs |
| Connect Community BankBank Raymond, WA | 45 out of 100, Below average | $72.7M | 3.6% | 0.15% | vs |
Deposit insurance
Is my money safe at Lamont Bank of St. John?
Yes. Lamont Bank of St. John is an FDIC-insured institution (FDIC certificate #8681). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 8.7% of deposits ($4.3M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 2.95%, below the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 4.51% (benchmark: 10%).
1 location
Branches
Lamont Bank of St. John lists 1 office in 1 city. Most locations:
- Saint John, WA (1)
Identity & history
Profile
- Legal name
- Lamont Bank of St. John
- Former names
- Lamont State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 8681
- RSSD ID
- 519874
- Primary regulator
- FDIC
- Established
- January 1, 1908
- Headquarters
- 6 E Front St, Saint John, WA 99171
- Employees
- 6
Quick answers
Lamont Bank of St. John: common questions
Is Lamont Bank of St. John FDIC insured?
Yes. Lamont Bank of St. John is an FDIC-insured institution (FDIC certificate #8681). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Lamont Bank of St. John's TellerScore?
14 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Lamont Bank of St. John ever failed?
There is no failure record for FDIC certificate #8681 in the FDIC failed bank list.
How many branches does Lamont Bank of St. John have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Saint John
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of Eastern OregonBank Heppner, OR | 73 out of 100, Strong | $933.6M | 11.6% | 1.22% | vs |
| Columbia BankBank Roseburg, OR | 64 out of 100, Moderate | $65.4B | 9.7% | 0.57% | vs |
| First Interstate BankBank Billings, MT | 62 out of 100, Moderate | $25.8B | 9.4% | 1.12% | vs |
| Potlatch No. 1 Financial Credit UnionCredit union Lewiston, ID | 62 out of 100, Moderate | $2.2B | 8.9% | 0.40% | vs |
| U.S. Bank National AssociationBank Cincinnati, OH | 55 out of 100, Moderate | $705.6B | 9.5% | 1.45% | vs |