Mount Vernon, IA · Cert 10494 · Mount Vernon Bcorp
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Cedar Rapids, IA · 2026 SOD (annual) · 1.9% share · #12 of 35 inst. · $0.2B of $8.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.53% | 0.94% | 1.04% | 0.99% | 1.09% | 1.30% | 1.29% | +25 bps | |
| Return on Equity | 4.68% | 5.14% | 9.06% | 9.48% | 8.68% | 9.37% | 11.33% | 11.27% | +179 bps | |
| Net Interest Margin | 2.23% | 2.26% | 2.50% | 2.71% | 2.82% | 3.00% | 3.04% | 3.06% | +35 bps | |
| Efficiency Ratio | 76.89% | 70.95% | 58.87% | 56.34% | 58.77% | 57.18% | 50.70% | 49.97% | -637 bps | |
| Non-Interest Burden | 1.65% | 1.50% | 1.31% | 1.35% | 1.51% | 1.57% | 1.39% | 1.36% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.25% | -2.10% | -2.70% | -6.63% | -2.24% | 0.44% | 7.32% | 7.72% | +1,434 bps | |
| Loan Growth (YoY) | 1.69% | -2.20% | -2.67% | -0.03% | 0.31% | 6.46% | 6.43% | 8.84% | +887 bps | |
| Deposit Growth (YoY) | -1.28% | -0.63% | 1.01% | -6.08% | 2.10% | -0.26% | 7.11% | 10.31% | +1,639 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.00% | 0.00% | 0.00% | 0.49% | 0.31% | 0.04% | 0.21% | +21 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.00% | 0.01% | -0.01% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 0.83% | 0.86% | 0.86% | 0.87% | 0.85% | 0.86% | 0.87% | 0.87% | 0 bps | |
| Allowance Coverage of NPLs | 43.5x | n/a | n/a | 1109.0x | 1.7x | 2.8x | 19.6x | 4.1x | -1104.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.37% | 12.58% | 12.84% | 13.34% | 13.23% | 13.28% | 12.93% | 13.03% | -30 bps | |
| Total Risk-Based Capital | 12.37% | 12.58% | 12.84% | 13.34% | 13.23% | 13.28% | 12.93% | 13.03% | -30 bps | |
| Equity / Assets | 10.55% | 10.11% | 10.74% | 11.16% | 11.56% | 11.66% | 11.25% | 11.63% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.04% | 82.69% | 81.75% | 84.82% | 86.50% | 88.25% | 81.24% | 83.69% | -113 bps | |
| Liquid Assets / Assets | 1.88% | 3.93% | 4.15% | 3.12% | 1.42% | 1.63% | 7.19% | 3.76% | +64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 82.89% | 91.06% | 90.04% | n/a | n/a | |