Mount Vernon Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 4.50 percentage points higher than in Q1 2026, at 65.04%. Within Georgia, Mount Vernon Bank is 80th of 121 on return on assets, 1.30% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Mount Vernon Bank sits 0.05 points higher, at 1.30% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.26% |
| Equity capital to assets | 7.23% |
| Tangible equity to tangible assets | 6.72% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.98% |
| Non-performing assets ratio | 1.31% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 22.98% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | 65.04% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.30% |
| Return on equity | 18.89% |
| Net interest margin | 4.65% |
| Efficiency ratio | 69.13% |
| Yield on earning assets | 6.43% |
| Cost of funds | 1.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.96% |
| Core deposits to total deposits | 90.59% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.79% |
| Securities to assets | 19.15% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.69% | 1.17% | 3.53% | 0.59% | -0.07% |
| Q4 2023 | 9.56% | 1.06% | 3.60% | 0.57% | 0.00% |
| Q1 2024 | 9.36% | 1.43% | 3.47% | 0.60% | -0.01% |
| Q2 2024 | 9.01% | 1.23% | 3.50% | 0.06% | 0.00% |
| Q3 2024 | 9.25% | 1.30% | 3.59% | 0.24% | 0.00% |
| Q4 2024 | 9.31% | 1.51% | 4.00% | 0.21% | -0.07% |
| Q1 2025 | 9.57% | 1.79% | 4.25% | 0.18% | 0.00% |
| Q2 2025 | 9.73% | 1.89% | 4.50% | 0.22% | 0.00% |
| Q3 2025 | 9.88% | 1.61% | 4.47% | 0.10% | 0.00% |
| Q4 2025 | 9.94% | 1.25% | 4.57% | 0.04% | 0.00% |
| Q1 2026 | 9.97% | 1.26% | 4.55% | 1.98% | 0.00% |
| Q2 2026 | 10.26% | 1.30% | 4.65% | 1.98% | 0.00% |
Mount Vernon Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mount Vernon Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)