🏦Bank Scorer

BANK OF THE MOUNTAINS, INC.

WEST LIBERTY, KY · Supervised by FDIC

Est. 1973FDIC #21,219RSSD: FDIC-21219
Part ofMOUNTAIN BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2025

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.40%

Institution Profile

FDIC BankFind

Address

204 Court St, WEST LIBERTY, KY

County

Morgan County

Established

September 15, 1973

Total Assets

$100M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$100M

Total Deposits

$88M

Net Loans

$69M

Net Income

$99K

ROA

0.40%

ROE

4.26%

Risk-Based Capital

16.34%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$86M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1990

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/38fd8724-d555-4655-add9-6533e854c08c"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: