Bridge Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Bridge Community Bank is an FDIC-insured commercial bank headquartered in Mount Vernon, IA, established in 1903 (FDIC certificate 12717), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $141.1M, up 11.4% from Q2 2025, the 170th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.49% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12717
- Headquarters
- Mount Vernon, IA
- Established
- 1903
- Total assets, Q2 2026
- $141.1M
- Assets vs Q2 2025
- +11.4%
- Tier 1 leverage ratio, Q2 2026
- 10.49%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 073907334
- Holding company
- ORION BANCORPORATION, INC.
- Asset rank in state
- 170th of 225 in Iowa
Bridge Community Bank earns an unusually wide margin on its lending. Based in Mount Vernon, Iowa, it had $141 million in assets at June 30, 2026, up 11.4% from a year earlier. It keeps 4.91 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also spends about 46 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $439,000, 83% above the same quarter a year earlier. Profitability lags: it returns 7.9% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.5%).
As of June 30, 2026, Bridge Community Bank reported a return on assets of 1.21%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 0.18%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bridge Community Bank is the 170th largest of the 225 banks headquartered in Iowa. From Q1 2026 to Q2 2026, its total assets fell 5.0% to $141.1M, loans fell 0.5% and deposits fell 6.3%. 1-4 family residential loans made up 42.1% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 14.9%. Its 3 offices in the FDIC Summary of Deposits are in Mechanicsville, IA, Mount Vernon, IA and Solon, IA; its Mechanicsville office books 53% of its branch deposits. On its Q2 2026 call report, Bridge Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 302 Highway 1 S, Mount Vernon, IA 52314
- County
- Linn
- Metro Area
- Cedar Rapids, IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- September 8, 1903
- Former names
- Mechanicsville Trust and Savings Bank (1971-1998)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 17
- Domestic deposits
- $116.7M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $144.6M
- Average total loans
- $99.3M
- Average interest-bearing deposits
- $107.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12717
- Fed RSSD
- 882541
- Website
- www.bridge.bank →
- Parent Holding Company
- ORION BANCORPORATION, INC. (RSSD 1210048)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bridge Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Bridge Community Bank's total assets moved between a low of $112.5M (Q3 2023) and a high of $148.5M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$141.1M total assets against $126.6M; $118.7M total liabilities against $112.1M.
$97.8M net loans and leases against $94.8M; $116.7M total deposits against $111.3M.
$6.8M securities against $14.0M; $20.9M cash and balances due against $12.4M.
$2.0M total interest income against $1.6M; $435K total interest expense against $432K.
$1.6M net interest income against $1.2M.
$155K total noninterest income against $199K; $1.1M total noninterest expense against $758K.
$25K provision for credit losses against $325K.
$439K net income against $240K.
1.21% return on assets against 0.75%; 4.91% net interest margin against 3.92%.
10.49% tier 1 leverage ratio against 11.69%.
Inside the full Bridge Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBridge Community Bank rankings
Its closest position to the top of a national ranking is 457 of 3,606, for efficiency ratio; its furthest is 3,163 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -2.30% (Q3 2025) to 2.94% (Q4 2025) and its net interest margin ran from 3.38% (Q3 2024) to 4.97% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.49% | 1.21% | 0.03% | 0.18% | 4.91% |
| Q1 2026 | 9.87% | 1.32% | 0.03% | 0.20% | 4.97% |
| Q4 2025 | 9.79% | 2.94% | 0.03% | 0.22% | 4.65% |
| Q3 2025 | 9.30% | -2.30% | 0.02% | 0.16% | — |
| Q2 2025 | 11.69% | 0.75% | 0.02% | 0.14% | 3.92% |
| Q1 2025 | 12.81% | 1.38% | 0.00% | 0.00% | 3.77% |
| Q4 2024 | 12.24% | 1.36% | 0.00% | 0.00% | 3.65% |
| Q3 2024 | 11.89% | 1.10% | 0.00% | 0.00% | 3.38% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Mechanicsville Branch | Mechanicsville , IA | 52306 | $62.3M |
| Bridge Community Bank (main office) | Mount Vernon , IA | 52314 | $27.7M |
| Bridge Community Bank - Solon Branch | Solon , IA | 52333 | $26.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IA, rank 190 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 47 applications, 43 loans originated, $10.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $50K approved, $50K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bridge Community Bank
What are Bridge Community Bank's total assets?
As of the Q2 2026 filing, Bridge Community Bank reported total assets of $141.1 million in its FFIEC call report.
Where is Bridge Community Bank headquartered?
It is headquartered in Mount Vernon, IA, United States.
When was Bridge Community Bank founded?
It was established in 1903, per the FDIC institution directory.
Is Bridge Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12717). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bridge Community Bank?
Bridge Community Bank's primary federal regulator is the FDIC.
How many branches does Bridge Community Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bridge Community Bank's Texas Ratio?
Its Texas Ratio is 0.18% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Bridge Community Bank previously called?
The charter now named Bridge Community Bank has also operated as Mechanicsville Trust and Savings Bank (1971-1998), per FDIC structure-change records.
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