Mount Vernon Bank and Trust Company: 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 Loan-to-deposit ratio: 2.45 percentage points higher than in Q1 2026, at 83.69%. Within Iowa, Mount Vernon Bank and Trust Company is 132nd of 225 on return on assets, 1.28% 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 and Trust Company reported 1.28% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.03% |
| Equity capital to assets | 11.63% |
| Tangible equity to tangible assets | 11.63% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.23% |
| Allowance for credit losses to loans | 0.87% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.28% |
| Return on equity | 11.27% |
| Net interest margin | 3.20% |
| Efficiency ratio | 49.38% |
| Yield on earning assets | 5.08% |
| Cost of funds | 2.11% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.69% |
| Core deposits to total deposits | 92.16% |
| Brokered deposits to total deposits | 1.81% |
| Deposits to assets | 84.75% |
| Securities to assets | 20.22% |
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 | 12.38% | 0.39% | 2.07% | 0.00% | 0.00% |
| Q4 2023 | 12.21% | 0.05% | 1.95% | 0.00% | 0.00% |
| Q1 2024 | 12.26% | 0.62% | 2.10% | 0.00% | 0.00% |
| Q2 2024 | 12.36% | 0.37% | 2.15% | 0.00% | 0.00% |
| Q3 2024 | 12.37% | 0.47% | 2.32% | 0.00% | 0.03% |
| Q4 2024 | 12.58% | 0.53% | 2.37% | 0.00% | 0.00% |
| Q1 2025 | 12.84% | 0.94% | 2.61% | 0.00% | 0.00% |
| Q2 2025 | 13.34% | 1.04% | 2.82% | 0.00% | 0.01% |
| Q3 2025 | 13.23% | 0.98% | 2.94% | 0.00% | -0.01% |
| Q4 2025 | 13.28% | 1.08% | 3.12% | 0.00% | 0.00% |
| Q1 2026 | 12.93% | 1.27% | 3.17% | 0.00% | 0.00% |
| Q2 2026 | 13.03% | 1.28% | 3.20% | 0.00% | 0.00% |
Mount Vernon Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mount Vernon Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10494) · FFIEC NIC profile (RSSD 890649)