Advertisement
Mount Vernon Bank
Mount Vernon, GA · FDIC Certificate #8028 · Chartered 01/2
Total assets
$217.56M
Total deposits
$199.70M
Total equity
$15.74M
Net loans
$141.86M
Branches (offices)
5
Net income (YTD)
$1.27M
Rank: #2,875 of 4,213 U.S. banks by assets · #85 of 123 in Georgia. Assets changed 12.8% and deposits 10.8% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.27% |
| Return on equity | 18.31% |
| Net interest margin (YTD) | 4.71% |
| Equity to assets | 7.23% |
| Tier 1 leverage ratio | 10.26% |
| Uninsured deposits (share of deposits) | 21.5% |
| Noncurrent loans (share of loans) | 0.64% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 71.0% |
| Real estate loans (share of loans) | 88.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $125.48M | 88.5% | |
| Commercial & industrial | $10.41M | 7.3% | |
| Consumer / individual | $3.37M | 2.4% | |
| Construction & development | $17.25M | 12.2% | |
| Agricultural | $2.84M | 2.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $156.45M | $146.81M | $791.00K | $9.07M |
| Jun 2023 | $166.30M | $138.29M | $1.05M | $7.07M |
| Jun 2024 | $186.74M | $145.60M | $1.19M | $9.06M |
| Jun 2025 | $192.78M | $180.20M | $1.75M | $11.04M |
| Jun 2026 | $217.56M | $199.70M | $1.27M | $15.74M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $199.70M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $199.70M.
Similar-sized banks
Foundation Bank ($217.91M) · Nevada Bank And Trust Company ($217.46M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement