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Mount Vernon Bank and Trust Company

Mount Vernon, IA · Cert 10494 · Mount Vernon Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

$195.5MAssets
$138.6MLoans
$165.7MDeposits
$22.7MEquity
Loan mix
89%RE $110.1M6%C&I $7.9M4%Consumer $5.5MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $144.9M13%Noninterest $20.8MQ2 2025Q2 2026

NIM

4.45%Q2 ’244.82%Q2 ’254.85%Q2 ’26+30%+15%

Non-interest income vs. expense

1.75%Q2 ’241.75%Q2 ’251.69%Q2 ’26-5%+1%

Market Position · Cedar Rapids, IA · 2026 SOD (annual) · 1.9% share · #12 of 35 inst. · $0.2B of $8.8B

Executive Summary

  • Earnings: ROA of 1.30%, up 31 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.21% of loans (+21 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.03%, down 30 bps from a year ago.
  • Funding: loans stand at 83.69% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.30%+31 bps YoY

Net Interest Margin (YTD, annualized)

3.03%+39 bps YoY

Efficiency Ratio (YTD, annualized)

50.33%-725 bps YoY

Tier 1 Leverage Ratio

13.03%-30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%0.99%1.01%1.30%1.30%+31 bps
Return on Equity9.28%9.07%9.15%11.33%11.28%+200 bps
Net Interest Margin2.64%2.68%2.73%3.04%3.03%+39 bps
Efficiency Ratio57.58%57.99%57.78%50.70%50.33%-725 bps
Non-Interest Burden1.35%1.39%1.42%1.39%1.37%+2 bps
Growth
Asset Growth (YoY)-6.63%-2.24%0.44%7.32%7.72%+1,434 bps
Loan Growth (YoY)-0.03%0.31%6.46%6.43%8.84%+887 bps
Deposit Growth (YoY)-6.08%2.10%-0.26%7.11%10.31%+1,639 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.49%0.31%0.04%0.21%+21 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.00%0.00%-1 bps
Allowance / Loans0.87%0.85%0.86%0.87%0.87%0 bps
Allowance Coverage of NPLs1109.0x1.7x2.8x19.6x4.1x-1104.9x
Capital
Tier 1 Leverage Ratio13.34%13.23%13.28%12.93%13.03%-30 bps
Total Risk-Based Capital13.34%13.23%13.28%12.93%13.03%-30 bps
Equity / Assets11.16%11.56%11.66%11.25%11.63%+47 bps
Liquidity & Funding
Loans / Deposits84.82%86.50%88.25%81.24%83.69%-113 bps
Liquid Assets / Assets3.12%1.42%1.63%7.19%3.76%+64 bps
CRE / Total Capitaln/a82.89%91.06%90.04%n/an/a