Mount Vernon Bank
Mount Vernon, GA · Cert 8028 · Peer group: banks under $1B in assets in GA (n=58-59) · Heart of GA Bancshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 5 branches (6 in holding)
Q2 2026
$217.6MAssets
$143.7MLoans
$199.7MDeposits
$15.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in GA (rank 10 of 58).
- Widest gap: equity / assets trails 95% of banks under $1B in assets in GA (rank 56 of 59).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.92%
Rank 46 of 59
Net Interest Margin
4.24%
Rank 30 of 59
Efficiency Ratio
69.29%
Rank 44 of 59
Equity / Assets
7.23%
Rank 56 of 59
Non-interest income vs. expense
Unfavorable gap of $5.8M · efficiency ratio beats 27% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.92% | 0.94% | 1.46% | 1.76% | Beats 22% | 46 / 59 | | |
| Return on Equity | 12.67% | 7.92% | 11.60% | 15.10% | Beats 58% | 25 / 59 | | |
| Net Interest Margin | 4.24% | 3.66% | 4.24% | 4.75% | Beats 49% | 30 / 59 | | |
| Efficiency Ratio | 69.29% | 51.87% | 60.25% | 70.24% | Beats 27% | 44 / 59 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.64% | 0.10% | 0.36% | 0.89% | Beats 34% | 39 / 58 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 100% | 10 / 58 | | |
| Capital |
| Tier 1 Capital Ratio | 10.26% | 11.93% | 15.65% | 21.05% | Beats 7% | 55 / 59 | | |
| Total Risk-Based Capital Ratio | 10.26% | 12.05% | 15.77% | 22.26% | Beats 5% | 56 / 59 | | |
| Equity / Assets | 7.23% | 9.10% | 11.51% | 14.32% | Beats 5% | 56 / 59 | | |
| Liquidity & Funding |
| Loans / Deposits | 71.96% | 59.62% | 72.81% | 85.44% | 47th pctl | 31 / 58 | | |
| Loans / Assets | 66.06% | 49.55% | 64.39% | 73.73% | 56th pctl | 26 / 59 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |