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Mount Vernon Bank and Trust Company

$100M-$1B Specialty: Other IA FDIC cert 10494

Mount Vernon, IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
  • Deposits +10.3% year over year ($165.7M on the books).
  • Delinquency rate 0.21%.
  • Return on assets 1.30%.
  • Efficiency ratio 50.33% vs a 64.48% peer average.
  • Loan-to-deposit ratio 82.96% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA
View $100M-$1B leaderboard (IA) →

Mount Vernon Bank and Trust Company has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 14.15% below tier average
  • + Delinquency Rate 0.70% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 31.3% in tier
  • - Credit Risk Growth: Bottom 45.2% in tier
  • - Net Interest Margin 0.75% below tier average
Get updates when Mount Vernon Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $195.5M
+7.7% YoY -0.0% QoQ
-$191.1M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
26%
Total Loans ? $137.4M
+8.8% YoY +3.2% QoQ
-$120.9M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
31%
Total Deposits ? $165.7M
+10.3% YoY +0.2% QoQ
-$161.1M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
25%
Return on Assets ? 1.30%
+31.1% YoY +0.1% QoQ
-0.02% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
53%
Net Interest Margin ? 3.24%
+19.0% YoY +0.1% QoQ
-0.75% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
17%
Efficiency Ratio ? 50.33%
-12.6% YoY -0.7% QoQ
-14.15% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
82%
Delinquency Rate ? 0.21%
+374.8% QoQ
-0.70% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
64%
Loan-to-Deposit Ratio ? 82.96%
-1.3% YoY +3.0% QoQ
+5.01% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
43%
Non-Interest-Bearing Deposit Share ? 12.55%
-1.2% YoY -20.4% QoQ
-9.48% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
16%
Nonperforming Asset Ratio ? 0.15%
+390.2% QoQ
-0.52% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
66%
Tier 1 Capital Ratio ? 13.03%
-2.3% YoY +0.8% QoQ
-2.87% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
48%
Non-Interest Income / Assets ? 0.16%
-19.1% YoY +105.9% QoQ
-0.40% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
39%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Noninterest-Bearing 12.6%
-0.1pp YoY
-3.2pp QoQ
 -9.6pp 22.1% 17.8% 22.2% 15%
Brokered Deposits 1.8%
-0.2pp YoY
0.0pp QoQ
 -6.0pp 7.9% 6.0% 8.5% 28%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 6.5%
+0.8pp YoY
+0.5pp QoQ
 -5.1pp 11.6% 12.8% 12.5% 29%
CRE 16.5%
+1.7pp YoY
-0.5pp QoQ
 -23.0pp 39.5% 28.3% 41.4% 12%
1-4 Family 50.2%
-2.1pp YoY
+0.3pp QoQ
 +17.6pp 32.6% 23.0% 31.3% 82%
Consumer 4.0%
-0.6pp YoY
-0.1pp QoQ
 -0.1pp 4.1% 2.9% 5.0% 70%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.4% 19.7% n/a
Leverage Ratio 13.0%
-0.3pp YoY
+0.1pp QoQ
 +0.9pp 12.2% 12.4% 12.6% 75%
Total Capital Ratio n/a n/a 19.9% 16.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 20
0 YoY
0 QoQ
 -39 58 64 482 11%
Assets per Employee ($) $9.8M
+7.7% YoY
0.0% QoQ
 +$2.3M $7.5M $8.9M $8.8M 85%
Branch Count 1
0 YoY
0 QoQ
 -4 4 5 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.2pp QoQ
 -0.1pp 0.3% 0.4% 0.4% 67%
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage 4.11x
-99.6% YoY
-79.0% QoQ
 -20.04x 24.15x 18.97x 20.23x 66%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 11.3%
+2.0pp YoY
-0.1pp QoQ
 -0.9pp 12.2% 12.8% 11.6% 45%
Cost of Funds (YTD) 1.9%
-0.3pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.8% 1.7% 67%
Net Income ($, YTD) $1.2M
+37.9% YoY
— QoQ
 -$1.3M $2.6M $4.0M $40.4M 34%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk
#394 of 1256 • Bottom 31.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.21%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#424 of 936 • Bottom 45.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

467
Efficiency Ratio
profitability
Value: 50.33%
Peer Median: 64.48%
#467 of 2643 Top 17.6% in $100M-$1B

Top Weaknesses (2 metrics)

2223
Non-Interest-Bearing Deposit Share
funding
Value: 12.55%
Peer Median: 22.03%
#2223 of 2643 Bottom 15.9% in $100M-$1B
2190
Net Interest Margin
profitability
Value: 3.24%
Peer Median: 3.99%
#2190 of 2643 Bottom 17.2% in $100M-$1B
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