Mount Vernon Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Net interest margin edged up by 0.10 percentage points, from 4.55% to 4.65%, the largest move among the key lines here. Within Georgia, Mount Vernon Bank is 54th of 121 on net interest margin, 4.65% as of Q2 2026, above the middle of the field. Mount Vernon Bank reported 4.65% on net interest margin for Q2 2026, 0.70 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.43% |
| Yield on loans | 8.01% |
| Yield on securities | 2.46% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.99% |
| Cost of interest-bearing deposits | 2.36% |
| Cost of interest-bearing liabilities | 2.36% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.65% |
| Yield to cost spread | 4.07% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $887K |
| Interest expense on deposits | $887K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.25% | 1.49% | 3.53% | 7.25% | 1.89% |
| Q4 2023 | 5.56% | 1.73% | 3.60% | 7.56% | 1.99% |
| Q1 2024 | 5.67% | 2.34% | 3.47% | 7.74% | 2.17% |
| Q2 2024 | 5.95% | 2.61% | 3.50% | 7.86% | 2.28% |
| Q3 2024 | 6.13% | 2.73% | 3.59% | 8.14% | 2.38% |
| Q4 2024 | 6.26% | 2.72% | 4.00% | 8.25% | 2.41% |
| Q1 2025 | 6.20% | 2.18% | 4.25% | 8.09% | 2.41% |
| Q2 2025 | 6.39% | 2.05% | 4.50% | 8.27% | 2.37% |
| Q3 2025 | 6.38% | 2.06% | 4.47% | 8.30% | 2.35% |
| Q4 2025 | 6.49% | 2.09% | 4.57% | 8.24% | 2.39% |
| Q1 2026 | 6.40% | 2.02% | 4.55% | 8.04% | 2.41% |
| Q2 2026 | 6.43% | 1.99% | 4.65% | 8.01% | 2.46% |
Mount Vernon Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mount Vernon Bank, freeSource: Call Report Schedules RI and RC-K, 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)