Bank of the Mountains, Inc.
West Liberty, KY
IDRSSD: 422116
Total Assets
$97.64M
Latest filing
Total Deposits
$86.13M
Latest filing
Net Interest Margin
5.18%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Bank of the Mountains, Inc.
204 Court St
West Liberty, KY 41472
Full Service - Brick and Mortar
Updated 11/14/2025Established 09/15/1973FDIC Certificate 14673
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Bank of the Mountains, Inc. (Main) | 204 Court St | West Liberty, KY |
| EZEL BANKING BRANCH | 38 Meeting House Br | Ezel, KY |
| INDEX BANKING BRANCH | 1645 W Main St | Index, KY |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 09/15/1973 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 41472 |
| State and County Number | 21175 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 24 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 09/15/1973 |
| Primary Insurance Agency | DIF |
| Website | http://www.bankofthemountains.com |
| Data Updated | 11/14/2025 |
| CERT | 21219 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $97.64M |
| Total Deposits | $86.13M |
| Total Liabilities | $88.32M |
| Total Equity Capital | $9.32M |
| Net Income | $246.00k |
| Net Loans and Leases | $66.59M |
| Assets Per Employee ($Millions) | $4.07M |
| Bank Premises and Fixed Assets | $3.26M |
| Cash and Balances due from Depository Institutions | $6.99M |
| Deposits Held in Domestic Offices | $86.13M |
Key Performance Ratios
| Return on Assets (ROA) | 1.01% |
| Return on Equity (ROE) | 10.54% |
| Net Interest Margin | 5.18% |
| Efficiency Ratio | 73.86% |
| Tier 1 Risk-Based Capital Ratio | 13.904% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.544% |
| Earning Assets to total Assets | 89.12% |
Income and Expense
| Total Interest Income | $1.39M |
| Total Noninterest Income | $144.00k |
| Total Interest Expense | $265.00k |
| Total Noninterest Expense | $938.00k |
| Net Interest Income | $1.13M |
| Pre-tax Net Operating Income | $332.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $212.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $5.93M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.98M |
| Total Liabilities and Capital | $97.64M |
Securities
| Securities | $11.12M |
| Available-for-sale debt securities | $11.12M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of the Mountains, Inc.?
$97.64M as of the latest filing.
How much are Bank of the Mountains, Inc.'s total deposits?
$86.13M in total deposits.
Where is Bank of the Mountains, Inc. located?
West Liberty, KY.
What is the Net Interest Margin?
5.18%.
How many domestic offices does it operate?
3.
When was it established?
09/15/1973.
What is the Return on Assets (ROA)?
1.01%.
How much are total loans and leases?
$66.59M (latest filing).
What is the total interest income (latest filing)?
$1.39M.