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Overview / Commentary
40865 Big Bear Boulevard
Big Bear Lake, CA 92315

First Mountain Bank is headquartered in Big Bear Lake and is the 177th largest bank in the state of California. It is also the 3,940th largest bank in the nation. It was established in 1981 and as of March of 2014, it had grown to 43 employees at 4 locations. First Mountain Bank has a C+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 First Mountain Bank had $9.34 million in non-current loans and owned real-estate with $15.13 million in equity and loan loss allowances on hand to cover it. This gives First Mountain Bank a Texas Ratio of 61.74% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First Mountain Bank decreased dramatically from 112.81% as of March 31, 2013 to 61.74% as of March 31, 2014, resulting in a positive change of 45.27%.This indicates that the balance sheet and financial strength for First Mountain Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, First Mountain Bank has decreased its total deposits by -$6.47 million, resulting in -4.96% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Mountain Bank has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Mountain Bank has $137.37 million in assets with $15.13 million in equity, resulting in a capitalization level of 11.01%, which is excellent.

Institution Statistics

FDIC Certificate #23544
Year Established1981
Primary RegulatorFDIC
Assets and Liabilities
Assets$137.37 million
Loans$90.37 million
Deposits$123.97 million
Equity Capital$12.31 million
Loan Loss Allowance$2.82 million
Unbacked Noncurrent Loans$9.34 million
Real Estate Owned$0
Historic Data - March 2013
Assets$143.15 million
Equity Capital$11.50 million
Loan Loss Allowance$2.83 million
Unbacked Noncurrent Loans$9.34 million
Real Estate Owned$788,000
Profit Margin - Quarterly
Net Interest Margin4.03%
Return on Assets0.66%
Return on Equity7.32%
Interest Income$1.32 million

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First Mountain Bank Savings Account Rates

0.15%$10k-Premium Savings
0.10%$200-Regular Savings

First Mountain Bank Money Market Rates

0.20%$75k-Personal Plus Money Market Demand Account
0.20%$75k-Business Plus Money Market Demand Account
0.20%$25k-Personal High Altitude Money Market Account
0.20%$25k-Business High Altitude Money Market Account

First Mountain Bank Checking Account Rates

0.15%$25k-Premium Checking
0.05%$2k-Regular Interest Checking
0.05%--Basic Checking

First Mountain Bank CD Rates

1.36%$100k-60 Month Jumbo CD Special
1.26%$1k$100k60 Month CD Special
1.05%$1k$100k36 Month CD
1.05%$100k-36 Month Jumbo CD
1.00%$1k$100k24 Month CD
1.00%$100k-24 Month Jumbo CD
0.85%$1k$100k18 Month CD
0.85%$100k-18 Month Jumbo CD
0.80%$100k-12 Month Jumbo CD
0.75%$1k$100k12 Month CD
0.75%$1k-13 Month CD
0.70%$100k-60 Month Jumbo CD
0.65%$1k$100k48 Month CD
0.65%$1k$100k60 Month CD
0.65%$100k-48 Month Jumbo CD
0.35%$1k-11 Month CD
0.30%$1k-9 Month CD
0.30%$100k-6 Month Jumbo CD
0.25%$1k$100k6 Month CD
0.25%$25k-7 Month CD
0.25%$100k-3 Month Jumbo CD
0.15%$1k$100k3 Month CD

First Mountain Bank IRA Rates

1.36%$100k-60 Month Jumbo IRA Special
1.26%$1k$100k60 Month IRA Special
1.05%$1k$100k36 Month IRA
1.05%$100k-36 Month Jumbo IRA
1.00%$1k$100k24 Month IRA
1.00%$100k-24 Month Jumbo IRA
0.85%$1k$100k18 Month IRA
0.85%$100k-18 Month Jumbo IRA
0.80%$100k-12 Month Jumbo IRA
0.75%$1k$100k12 Month IRA
0.75%$1k-13 Month IRA
0.70%$100k-60 Month Jumbo IRA
0.65%$1k$100k48 Month IRA
0.65%$100k-48 Month Jumbo IRA
0.65%$1k$100k60 Month IRA
0.35%$1k-11 Month IRA
0.30%$100k-6 Month Jumbo IRA
0.30%$1k-9 Month IRA
0.25%$100k-3 Month Jumbo IRA
0.25%$1k$100k6 Month IRA
0.25%$25k-7 Month IRA
0.15%$1k$100k3 Month IRA

First Mountain Bank Locations
Running Springs Branch2625 Whispering Pines DriveRunning Springs, CA 92382
Lucerne Valley Branch32946-D Highway 18Lucerne Valley, CA 92356
First Mountain Bank40865 Big Bear BoulevardBig Bear Lake, CA 92315