Bank of the Mountains, Inc.
Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (5.0) profitability. A current level of 4.4 percent of nonperforming loans to core capital combined with 7.2 percent from a year earlier contributes to the Fair asset quality (4.7).
Other Rating Factors:
Excellent current capitalization (7.6 on a scale of 0 to 10) based on a risk-based capital ratio of 14.8 and a capital leverage ratio of 9.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Asset Mix:
Home mtgs (29%), consumer loans (17%), securities (10%), cash (8%), comm re (7%), comm loans (4%), other (24%)
States with Branches:
KY
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Mountain Bancorp, Inc.
Investment Rating
--
Address
204 Court Street
West Liberty, KY 41472
West Liberty, KY 41472
Phone Number
(606) 743-3141
Year Founded
1973
FDIC Number
Website
Largest Affiliates
No affiliate information available.