Mount Vernon Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Mount Vernon Bank and Trust Company of Mount Vernon, IA 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. | 1.28% | 1.34% | -0.06% | 51st above |
| ROAE | 11.27% | 13.31% | -2.04% | 43rd below |
| Net Interest Margin | 3.20% | 3.93% | -0.73% | 16th bottom |
| Efficiency Ratio | 49.38% | 61.14% | -11.76% | 82nd top |
| PPNR / Avg Assets | 1.70% | 1.68% | +0.02% | 56th above |
| Yield on Earning Assets | 5.08% | 5.67% | -0.59% | 26th below |
| Cost of Funds | 2.11% | 1.88% | +0.23% | 31st below |
| Net Interest Spread | 2.67% | 3.32% | -0.65% | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.87% | 1.28% | -0.41% | 15th bottom |
| Texas Ratio | 1.23% | 7.33% | -6.10% | 70th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.03% | 12.14% | +0.89% | 75th top |
| Equity / Assets | 11.63% | 11.37% | +0.26% | 68th above |
| TCE / Tangible Assets | 11.63% | 11.09% | +0.54% | 70th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.69% | 80.64% | +3.05% | 43rd below |
| Core Deposit Ratio | 92.16% | 86.86% | +5.30% | 68th above |
| Wholesale Funding Ratio | 3.27% | 5.03% | -1.76% | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.72% | 6.85% | +0.87% | 74th above |
| Loan Growth (Y/Y) | 8.84% | 7.90% | +0.94% | 69th above |
| Deposit Growth (Y/Y) | 10.31% | 6.29% | +4.02% | 84th top |
See Mount Vernon Bank and Trust Company'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 and Trust Company, 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 and Trust Company profile, how to read a UBPR, or how this data updates.