MOUNT VERNON BANK AND TRUST COMPANY

Latest Report: 2025-12-31

MOUNT VERNON BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in MOUNT VERNON, IA, established in Jan. 1, 1884, midnight. As of 2025-12-31, the bank reported total assets of $186M and total deposits of $154M. Profitability stands at 1.09% ROA and 9.37% ROE, with a net interest margin of 3.29%. The bank's CET1 capital ratio is 11.66%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #10494.

Assets

$186M

Deposits

$154M

Loans

$136M

Equity

$22M

Profitability

Return on Assets (ROA) 1.09%

Return on Equity (ROE) 9.37%

Net Interest Margin (NIM) 3.29%

Yield on Assets 5.51%

Cost of Funds 2.33%

Asset Quality

NPL Ratio 0.00%

Net Charge-Off Ratio 0.00%

Texas Ratio 0.00%

NPA Ratio 0.00%

ACL / Loans 0.86%

Capital & Liquidity

CET1 Ratio 11.66%

Tier 1 Capital 11.66%

Total Capital Ratio 12.25%

Leverage Ratio 13.28%

Loan-to-Deposit 88.25%

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