Mount Vernon Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 18.69 percentage points higher than in Q1 2026, at 75.24%. Mount Vernon Bank ranks 76th of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 71.96% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Mount Vernon Bank sits 8.88 points lower, at 71.96% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $143.7M |
| Net loans and leases | $141.9M |
| Loans held for sale | $0 |
| Loans to total assets | 66.06% |
| Loan-to-deposit ratio | 71.96% |
| Net loans to equity capital | 9.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.99% |
| Multifamily (5+ residential) | 0.60% |
| Commercial and industrial | 7.24% |
| Consumer | 2.34% |
| Credit cards | 0.00% |
| Farm | 27.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.81% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 153.21% |
| Construction concentration (Tier 1 capital + allowance) | 75.24% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 8.01% |
| Interest income on loans | $2.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $98.7M | $142.5M | 29.91% | 8.77% | 3.48% |
| Q4 2023 | $101.0M | $138.2M | 27.97% | 8.48% | 3.28% |
| Q1 2024 | $102.8M | $145.6M | 28.47% | 9.60% | 3.46% |
| Q2 2024 | $106.1M | $145.6M | 27.80% | 9.12% | 3.42% |
| Q3 2024 | $114.3M | $150.5M | 25.76% | 9.59% | 2.84% |
| Q4 2024 | $117.7M | $172.0M | 25.53% | 9.19% | 3.49% |
| Q1 2025 | $120.5M | $175.2M | 26.01% | 9.83% | 2.69% |
| Q2 2025 | $120.1M | $180.2M | 23.40% | 10.03% | 2.95% |
| Q3 2025 | $121.9M | $181.3M | 24.21% | 8.83% | 2.76% |
| Q4 2025 | $122.7M | $173.5M | 24.74% | 8.43% | 2.58% |
| Q1 2026 | $134.0M | $180.2M | 24.73% | 7.60% | 2.25% |
| Q2 2026 | $143.7M | $199.7M | 22.99% | 7.24% | 2.34% |
Mount Vernon Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Mount Vernon Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Mount Vernon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8028) · FFIEC NIC profile (RSSD 807432)