Lamont Bank of St. John

Headquarters: Saint John, Washington
Charter: Bank
Assets: $51.1M
Fed district: San Francisco
Regulator: FDIC

Explore Hamilton View published fees

Compared with Washington

1 of 6

compared fees are above the median.

5 below, 0 about the same.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
2nd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Washington median
of 6 compared; 5 below, 0 about the same
See the fees
Fee schedule read Nov 1, 2026

How these figures are measured

Call-report figures are for Lamont Bank of St. John at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out.	FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ)	Q2 2026 Quarter ended Jun 30, 2026	Not recorded
Fees above the Washington median	Published fees above the Washington median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Lamont Bank of St. John's published fee schedule; Bank Fee Index medians	Current schedule	Nov 1, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data); FDIC BankFind Suite (call report data)
Entity: Lamont Bank of St. John (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: FFIEC call report (bulk data): Standalone quarter: year to date less the prior quarter (Q1 as filed). FDIC BankFind Suite (call report data): One quarter, as reported
Fields: FFIEC call report (bulk data): RIAD4080; FDIC BankFind Suite (call report data): ISERCHGQ
Retrieved: Nov 1, 2026

What stands out

Service charges were 0.2% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (2nd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $1K in Q2 2026, 50% below the same quarter a year earlier ($2K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
1 of 6 compared published fees sit above the Washington median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.

Fees against the market

Comparison with Washington medians for fees published by banks and credit unions.

Overdraft (OD)
Lamont Bank of St. John: $15
Lamont Bank of St. John: $15
Washington median: $28.5048 publishSan Francisco district median: $25285 publishU.S. median: $302,601 publish
NSF / Returned Item
Lamont Bank of St. John: $15
Lamont Bank of St. John: $15
Washington median: $27.2548 publishSan Francisco district median: $25339 publishU.S. median: $302,858 publish
Stop Payment
Lamont Bank of St. John: $10
Lamont Bank of St. John: $10
Washington median: $2561 publishSan Francisco district median: $25393 publishU.S. median: $27.503,350 publish

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Washington, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Washington: Banks and credit unions headquartered in Washington that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 50% from Q3 2025 to Q2 2026, to $1K. Its share of revenue, 0.2%, is below the 2.1% median for banks with under $300M in assets.

Service-charge income, Q2 2026

$1K

$2KQ3 2025

$2KQ4 2025

$1KQ1 2026

$1KQ2 2026

Against the median (WA for fees)

Share of revenue0.2% / 2.1%
Overdraft$15 / $28.50

Lamont Bank of St. JohnMedian

Sources and open questions

FFIEC and FDIC call reportss, bank level, standalone quarters. Four quarters are too few to call a trend.

Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.

Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.

Is the lower share a matter of price, waivers, or a different mix of accounts?
Do business accounts and account analysis fees make up more of service charges than at peers?

See a free sample report

Among its peers

Lamont Bank of St. John · $51M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Banks only
$43M to $59M in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Lamont Bank of St. John(this institution)	Saint John, WA	$51M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
1st Bank in Hominy	Hominy, OK	$45M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Bank of Brewton	Brewton, AL	$50M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Benton County State Bank	Blairstown, IA	$51M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Blue Grass Federal Savings and Loan Association	Paris, KY	$59M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Carrollton Federal Bank	Carrollton, KY	$44M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community First Bank, National Association	Forest, OH	$56M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Community National Bank in Monmouth	Monmouth, IL	$55M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Farmers State Bank, Allen, Oklahoma	Allen, OK	$57M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Financial Bank in Winnebago	Winnebago, MN	$58M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Fortuna Bank	Grandview Heights, OH	$57M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Gala Bank	Ocala, FL	$45M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Kindred State Bank	Kindred, ND	$43M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Portrait Bank	Winter Park, FL	$45M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Richton Bank & Trust Company	Richton, MS	$52M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Second Federal Savings and Loan Association of Philadelphia	Philadelphia, PA	$46M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Sidney Federal Savings and Loan Association	Sidney, NE	$56M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
State Bank of Lake Park	Lake Park, MN	$47M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
State National Bank	Groom, TX	$55M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Talbot State Bank	Woodland, GA	$52M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The City State Bank	Fort Scott, KS	$58M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First Farmers National Bank of Waurika	Waurika, OK	$56M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
The Mer Rouge State Bank	Mer Rouge, LA	$52M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The State Exchange Bank	Mankato, KS	$51M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
United Minnesota Bank	New London, MN	$57M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Washita State Bank	Burns Flat, OK	$44M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

12 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Lamont Bank of St. John does not publish a monthly maintenance fee in the index.

The peer median is $6.50 among 13 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.

Monthly maintenance fee in dollars, one mark per institution

Lamont Bank of St. John does not publish a monthly maintenance fee, so it is not on this chart.

Lamont Bank of St. JohnPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Lamont Bank of St. John (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $1K
vs prior quarter: $00.0%; from Q1 2026
vs a year earlier: −$1K−50.0%; from Q2 2025
vs start of range: +$1K; from Q3 2024

Details

Source: FFIEC call report (bulk data); FDIC BankFind Suite (call report data)
Entity: Lamont Bank of St. John (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: FFIEC call report (bulk data): Standalone quarter: year to date less the prior quarter (Q1 as filed). FDIC BankFind Suite (call report data): One quarter, as reported
Fields: FFIEC call report (bulk data): RIAD4080; FDIC BankFind Suite (call report data): ISERCHGQ
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$1K	$0	0.0%
Q1 2026	$1K	−$1K	−50.0%
Q4 2025	$2K	$0	0.0%
Q3 2025	$2K	$0	0.0%
Q2 2025	$2K	+$1K	+100.0%
Q1 2025	$1K	$0	0.0%
Q4 2024	$1K	+$1K
Q3 2024	$0	−$1K	−100.0%

Service-charge share against its size cohort

Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Lamont Bank of St. John left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

Lamont Bank of St. John: 0.2%
Percentile: 2nd
25th percentile: 1.1%
Median: 2.1%
75th percentile: 3.4%

Lamont Bank of St. John 0.2%Median 2.1%Middle half 1.1% to 3.4%Peers at each share13 above 15%, counted in the last bar

Find a peer (1,681)

The 15 closest to Lamont Bank of St. John by share.

Details

Source: FDIC BankFind Suite (call report data)
Entity: Each bank, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026)
Measure: Service charges on deposit accounts divided by revenue (net interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: ISERCHGQ / (NIMQ + NONIIQ)

Published fee schedule

Amounts from Lamont Bank of St. John’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Dormant account fee$1
Below the U.S. middle 50% ($5 to $10 nationally)
per month

Overdraft & NSF

Overdraft fee$15
Below the U.S. middle 50% ($25 to $33 nationally)
per item
Nonsufficient funds$15
Below the U.S. middle 50% ($25 to $32 nationally)

Check Services

Money Orders to a third party, three or more per day$2
Not compared: Daily charge, not per item
per day
Stop payments$10
Below the U.S. middle 50% ($20 to $30 nationally)

Account Services

Garnishments$25
Below the U.S. middle 50% ($30 to $85 nationally)
Levies$25
Below the U.S. middle 50% ($30 to $85 nationally)

Other Fees

Duplicate Statement Requests$15
Above the U.S. middle 50% ($2 to $5 nationally)

Fee	Amount	Basis	Note
Account Maintenance
Dormant account fee	$1Below the U.S. middle 50% ($5 to $10 nationally)	per month	None
Overdraft & NSF
Overdraft fee	$15Below the U.S. middle 50% ($25 to $33 nationally)	per item	None
Nonsufficient funds	$15Below the U.S. middle 50% ($25 to $32 nationally)	Not stated	None
Check Services
Money Orders to a third party, three or more per day	$2Not compared: Daily charge, not per item	per day	None
Stop payments	$10Below the U.S. middle 50% ($20 to $30 nationally)	Not stated	None
Account Services
Garnishments	$25Below the U.S. middle 50% ($30 to $85 nationally)	Not stated	None
Levies	$25Below the U.S. middle 50% ($30 to $85 nationally)	Not stated	None
Other Fees
Duplicate Statement Requests	$15Above the U.S. middle 50% ($2 to $5 nationally)	Not stated	None

Correct a fee source

Nov 1, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Lamont Bank of St. John operates, and what regulators and customers have on file.

Branch footprint

1 offices in 1 state, $49.7M in branch deposits (June 2026)

Each dot is one office.

This bankOther banks and credit unions

Largest markets by deposits

Outside a metro area

$49.7M

Largest competitors nearby

Local market: Whitman county, WA, where it holds the most deposits.

9 in its local market	Deposit share
U.S. Bank National Association	24.6%
Columbia Bank	15.8%
JPMorgan Chase Bank, National Association	14.9%
Banner Bank	13.2%
Washington Trust Bank	7.6%

This bank holds 5.7% of the deposits there.

Branch count by year

Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.

Enforcement actions

1 order with no end date on file

Consent orderJanuary 10, 2025
Washington Department of Financial Institutions · Order

Source: public enforcement action lists from the Washington Department of Financial Institutions, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

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