# LAMONT BANK OF ST JOHN
SAINT JOHN, WA · FDIC certificate 8681 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 12 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $51.1M | |
| Deposits | $49.7M | |
| Loans and leases | $35.1M | |
| Total equity | $919,000 | |
| Loans / deposits | 65.63% (p38 of band) | 73.59% |
| Liquid assets / assets | 32.71% (p50 of band) | |
| Uninsured deposits / deposits | 8.69% (p10 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.20% (p48 of band) | |
| FHLB advances / assets | 0.20% | |
| Tier 1 leverage | 2.95% (p0 of band) | 11.76% |
| Unrealized securities loss / equity | -87.81% (p1 of band) | -6.57% |
| AOCI / equity | -2.61% (p8 of band) | |
| ROA (annualized) | -6.23% (p1 of band) | 1.17% |
| Net interest margin | 1.62% (p2 of band) | 3.93% |
| Efficiency ratio | 165.50% (p98 of band) | |
| Noncurrent loans | 49.79% (p100 of band) | 0.36% |
| Net charge-offs (annualized) | 2.74% (p100 of band) | |
| Reserve coverage of noncurrent | 14.31% | |
| Real estate % of loans | 46% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $759,000 (2.16% of loans; DQ 17.26%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.6% | |
| Employees | 6 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **securities losses >30% of equity** (`cap_secloss`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | capital falling, NIM <2.5% |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 4 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2013-06 | 2 |  | capital falling, noncurrent p90 |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | uninsured deposits leaving |  |
| 2014-06 | 4 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2014-09 | 4 |  |  |
| 2014-12 | 5 | charge-offs p90 |  |
| 2015-03 | 4 |  | charge-offs p90 |
| 2015-06 | 2 |  | uninsured deposits leaving, assets shrinking |
| 2015-09 | 1 |  | NIM <2.5% |
| 2015-12 | 0 |  | deposits shrinking |
| 2016-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2016-06 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2018-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2019-03 | 1 | reserve under noncurrent |  |
| 2019-06 | 1 | charge-offs p90 | reserve under noncurrent |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | losing money |  |
| 2020-06 | 1 |  | losing money |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | capital falling | charge-offs p90 |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 3 | securities losses >30% of equity |  |
| 2022-12 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2023-03 | 7 | capital falling, losing money, NIM <2.5% | AOCI drag >20% of equity |
| 2023-06 | 6 | wholesale funding >15%, deposits shrinking, uninsured deposits leaving | charge-offs p90, capital falling, losing money, NIM <2.5% |
| 2023-09 | 6 |  |  |
| 2023-12 | 7 | capital falling, losing money, charge-offs p90 | reserve under noncurrent, wholesale funding >15% |
| 2024-03 | 6 |  | noncurrent p90 |
| 2024-06 | 2 | wholesale funding >15% | securities losses >30% of equity, deposits shrinking, uninsured deposits leaving, capital falling, losing money |
| 2024-09 | 3 | noncurrent p90 |  |
| 2024-12 | 6 | brokered >10%, capital falling, losing money |  |
| 2025-03 | 5 | expense ratio p90, NIM <2.5%, reserve under noncurrent | wholesale funding >15%, noncurrent p90, brokered >10%, capital falling |
| 2025-06 | 3 | assets shrinking | expense ratio p90, NIM <2.5%, reserve under noncurrent |
| 2025-09 | 7 | capital falling, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2025-12 | 10 | leverage <7%, NIM <2.5%, deposits shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2026-03 | 14 | leverage <5%, securities losses >30% of equity, reserve under noncurrent |  |
| 2026-06 | 12 |  | capital falling, deposits shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-12-09 [Neal Robertson - Whitman County Gazette](https://news.google.com/rss/articles/CBMihgFBVV95cUxOcWxfc3NGeFd6UDk3TWJ4UzFwZEJsOURBMFNfaVI0OHJad2ZoR3RJdThkVHdnRkJpc2V5ZmxmLTdYdlUyUFFKeVM2MUE3eTlxZHZDSE5YTmd4TG5hM2VKQXNOaWZTS1NEemwteDVhOTNmdkt4N1ZhcFh5UWNkcEFtQ182ZlZ3dw?oc=5) · Whitman County Gazette
- 2010-07-20 [The Lives of St. John - inlander.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxOM0JLMU9oNXozTENlVmJTLXpvRzkzQWtvRmhHOWVOQW5iNEdtQXBhQlpfenltQmYtZnZ5c19pU0doV1hWY3FGT2ZJcEJiY0pMS0tybmRjWF9UN2h6NmdTQUZoZTFldkZBUUo5MjlHMXpGdWxDc0tnRlZBQXVkbmhsQ1NmMEg3SldQZWZSM2lqQUxyalBYUTJmNGRBMHNuWlJMZnFUYkp3?oc=5) · inlander.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8681 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/41.json (key "8681", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide