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Mount Vernon Bank

$100M-$1B Specialty: Agricultural GA FDIC cert 8028

Mount Vernon, GA

5 branches across GA

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 96 in GA.
  • Deposits +10.8% year over year ($199.7M on the books).
  • Delinquency rate 0.65%.
  • Return on assets 1.27%.
  • Efficiency ratio 68.84% vs a 64.48% peer average.
  • Loan-to-deposit ratio 71.04% 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 96 in GA
View $100M-$1B leaderboard (GA) →

Mount Vernon Bank 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

  • + Net Interest Margin 0.72% above tier average
  • + Delinquency Rate 0.27% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 24.4% in tier
  • - Credit Quality Pressure: Bottom 38.3% in tier
  • - Efficiency Ratio 4.36% above tier average
Get updates when Mount Vernon Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $217.6M
+12.8% YoY +11.8% QoQ
-$169.0M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
30%
Total Loans ? $141.9M
+19.5% YoY +7.1% QoQ
-$116.5M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
32%
Total Deposits ? $199.7M
+10.8% YoY +10.8% QoQ
-$127.0M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
34%
Return on Assets ? 1.27%
-31.7% YoY +1.9% QoQ
-0.05% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
51%
Net Interest Margin ? 4.71%
+2.5% YoY +1.7% QoQ
+0.72% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
Top 14.1% in tier
Efficiency Ratio ? 68.84%
+16.7% YoY +1.6% QoQ
+4.36% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
33%
Delinquency Rate ? 0.65%
+32.9% YoY -69.9% QoQ
-0.27% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
40%
Loan-to-Deposit Ratio ? 71.04%
+7.8% YoY -3.4% QoQ
-6.92% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
68%
Non-Interest-Bearing Deposit Share ? 20.72%
-12.7% YoY -1.6% QoQ
-1.31% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
49%
Nonperforming Asset Ratio ? 0.42%
+40.7% YoY -71.2% QoQ
-0.24% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
43%
Tier 1 Capital Ratio ? 10.26%
+5.4% YoY +2.8% QoQ
-5.65% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
Bottom 13.7% in tier
Non-Interest Income / Assets ? 0.17%
-10.4% YoY +95.4% QoQ
-0.39% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
42%

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 (GA) National Avg Tier Percentile
Noninterest-Bearing 20.7%
-3.0pp YoY
-0.3pp QoQ
 -1.4pp 22.1% 26.2% 22.2% 48%
Brokered Deposits n/a n/a 7.9% 7.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 7.3%
-2.8pp YoY
-0.4pp QoQ
 -4.2pp 11.6% 9.7% 12.5% 35%
CRE 36.1%
+3.8pp YoY
+1.6pp QoQ
 -3.5pp 39.5% 48.9% 41.4% 45%
1-4 Family 24.9%
-0.9pp YoY
-0.9pp QoQ
 -7.7pp 32.6% 31.7% 31.3% 41%
Consumer 2.4%
-0.6pp YoY
+0.1pp QoQ
 -1.7pp 4.1% 4.8% 5.0% 53%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 20.9% 19.7% n/a
Leverage Ratio 10.3%
+0.5pp YoY
+0.3pp QoQ
 -1.9pp 12.2% 14.0% 12.6% 37%
Total Capital Ratio n/a n/a 19.9% 22.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 41
+14 (+51.9%) YoY
+13 (+46.4%) QoQ
 -18 58 98 482 42%
Assets per Employee ($) $5.3M
-25.7% YoY
-23.6% QoQ
 -$2.2M $7.5M $7.5M $8.8M 19%
Branch Count 5
+2 (+66.7%) YoY
+2 (+66.7%) QoQ
 0 4 6 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days 0.7%
+0.2pp YoY
-1.5pp QoQ
 +0.3pp 0.3% 0.1% 0.4% 86%
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage 2.00x
-15.8% YoY
+257.8% QoQ
 -22.15x 24.15x 38.10x 20.23x 47%
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 (GA) National Avg Tier Percentile
ROE 18.3%
-14.4pp YoY
-0.1pp QoQ
 +6.1pp 12.2% 13.6% 11.6% 83%
Cost of Funds (YTD) 1.9%
-0.2pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.6% 1.7% 62%
Net Income ($, YTD) $1.3M
-27.3% YoY
— QoQ
 -$1.3M $2.6M $6.6M $40.4M 35%

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)

Margin Compression

decline
#76 of 307 • Bottom 24.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.27%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#482 of 1256 • Bottom 38.3% in tier

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

Why this signature
Delinquency Rate: 0.65%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

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)

374
Net Interest Margin
profitability
Value: 4.71%
Peer Median: 3.99%
#374 of 2643 Top 14.1% in $100M-$1B

Top Weaknesses (1 metrics)

2282
Tier 1 Capital Ratio
capital
Value: 10.26%
Peer Median: 15.91%
#2282 of 2643 Bottom 13.7% in $100M-$1B
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