BlastPoint's Banking Scorecard
Mount Vernon Bank
Mount Vernon, GA
5 branches across GA
Mount Vernon Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.70% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 8.2% in tier
- - Capital Thin: Bottom 28.7% in tier
- - Cost Spiral: Bottom 71.4% in tier
- - Delinquency Rate 1.28% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$194.6M
+3.7% YoY
+3.1% QoQ
|
-$191.5M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
25% |
| Total Loans ? |
$132.4M
+11.2% YoY
+9.3% QoQ
|
-$123.3M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
30% |
| Total Deposits ? |
$180.2M
+2.8% YoY
+3.8% QoQ
|
-$147.8M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
29% |
| Return on Assets ? |
1.24%
-31.9% YoY
-24.1% QoQ
|
-0.02% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
52% |
| Net Interest Margin ? |
4.63%
+2.9% YoY
-0.0% QoQ
|
+0.70% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
Top 14.7% in tier |
| Efficiency Ratio ? |
67.79%
+13.4% YoY
+7.1% QoQ
|
+2.50% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
38% |
| Delinquency Rate ? |
2.16%
+3.7% QoQ
|
+1.28% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 11.0% in tier |
| Loan-to-Deposit Ratio ? |
73.50%
+8.1% YoY
+5.3% QoQ
|
-3.14% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
21.06%
-2.1% YoY
+3.9% QoQ
|
-0.96% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
50% |
| Nonperforming Asset Ratio ? |
1.47%
+9.9% QoQ
|
+0.84% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
Bottom 11.7% in tier |
| Tier 1 Capital Ratio ? |
9.97%
+4.2% YoY
+0.4% QoQ
|
-5.86% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 9.5% in tier |
| Non-Interest Income / Assets ? |
0.09%
-10.8% YoY
-76.6% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
45% |
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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 (0)
Concerns (3)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.