Mount Vernon Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Mount Vernon Bank of Mount Vernon, GA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.30% | 1.34% | -0.04% | 53rd above |
| ROAE | 18.89% | 13.31% | +5.58% | 83rd top |
| Net Interest Margin | 4.65% | 3.93% | +0.72% | 84th top |
| Efficiency Ratio | 69.13% | 61.14% | +7.99% | 30th below |
| PPNR / Avg Assets | 1.42% | 1.68% | -0.26% | 40th below |
| Yield on Earning Assets | 6.43% | 5.67% | +0.76% | 85th top |
| Cost of Funds | 1.99% | 1.88% | +0.11% | 37th below |
| Net Interest Spread | 4.07% | 3.32% | +0.75% | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.98% | 0.94% | +1.04% | 13th bottom |
| NPA / Total Assets | 1.31% | 0.70% | +0.61% | 14th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.29% | 1.28% | +0.01% | 61st above |
| ACL / NPLs (Coverage) | 65.04% | 1539.01% | -1473.97% | 16th bottom |
| Texas Ratio | 22.98% | 7.33% | +15.65% | 6th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.26% | 12.14% | -1.88% | 37th below |
| Equity / Assets | 7.23% | 11.38% | -4.15% | 8th bottom |
| TCE / Tangible Assets | 6.72% | 11.09% | -4.37% | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.96% | 80.64% | -8.68% | 68th above |
| Core Deposit Ratio | 90.59% | 86.86% | +3.73% | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.85% | 6.85% | +6.00% | 89th top |
| Loan Growth (Y/Y) | 19.65% | 7.90% | +11.75% | 92nd top |
| Deposit Growth (Y/Y) | 10.82% | 6.29% | +4.53% | 85th top |
See Mount Vernon Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Mount Vernon Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Mount Vernon Bank profile, how to read a UBPR, or how this data updates.