Mount Vernon Bank and Trust Company
Mount Vernon, IA · Cert 10494 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Mount Vernon Bcorp
State charter, non-member · FDIC · 1 branch
Q2 2026
$195.5MAssets
$138.6MLoans
$165.7MDeposits
$22.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: net interest margin trails 81% of banks under $1B in assets operating in a single state (rank 605 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.28%
Rank 255 of 746
Net Interest Margin
3.03%
Rank 605 of 746
Efficiency Ratio
50.33%
Rank 112 of 746
Equity / Assets
11.63%
Rank 260 of 746
Non-interest income vs. expense
Unfavorable gap of $2.7M · efficiency ratio beats 85% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.28% | 0.72% | 1.06% | 1.45% | Beats 66% | 255 / 746 | |
| Return on Equity | 10.99% | 6.74% | 10.51% | 13.63% | Beats 55% | 338 / 746 | |
| Net Interest Margin | 3.03% | 3.17% | 3.68% | 4.16% | Beats 19% | 605 / 746 | |
| Efficiency Ratio | 50.33% | 55.74% | 64.58% | 75.47% | Beats 85% | 112 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.21% | 0.09% | 0.42% | 1.07% | Beats 65% | 258 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 13.03% | 11.55% | 13.75% | 17.60% | Beats 42% | 432 / 746 | |
| Total Risk-Based Capital Ratio | 13.03% | 11.71% | 14.33% | 18.43% | Beats 37% | 468 / 746 | |
| Equity / Assets | 11.63% | 8.90% | 10.51% | 13.06% | Beats 65% | 260 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 83.69% | 61.31% | 78.27% | 90.78% | 62nd pctl | 286 / 746 | |
| Loans / Assets | 70.93% | 53.60% | 66.97% | 76.08% | 60th pctl | 302 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |