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Mount Vernon Bank And Trust Company
Mount Vernon, IA · FDIC Certificate #10494 · Chartered 01/0
Total assets
$195.48M
Total deposits
$165.67M
Total equity
$22.73M
Net loans
$137.44M
Branches (offices)
1
Net income (YTD)
$1.25M
Rank: #3,004 of 4,213 U.S. banks by assets · #145 of 225 in Iowa. Assets changed 7.7% and deposits 10.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.30% |
| Return on equity | 11.28% |
| Net interest margin (YTD) | 3.24% |
| Equity to assets | 11.63% |
| Tier 1 leverage ratio | 13.03% |
| Uninsured deposits (share of deposits) | 21.7% |
| Noncurrent loans (share of loans) | 0.21% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 83.0% |
| Real estate loans (share of loans) | 82.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $113.47M | 82.6% | |
| Commercial & industrial | $8.88M | 6.5% | |
| Consumer / individual | $5.56M | 4.0% | |
| Construction & development | $5.19M | 3.8% | |
| Agricultural | $9.96M | 7.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $179.09M | $158.97M | $1.14M | $17.77M |
| Jun 2023 | $185.81M | $155.89M | $643.00K | $17.75M |
| Jun 2024 | $194.35M | $159.91M | $467.00K | $18.20M |
| Jun 2025 | $181.47M | $150.19M | $906.00K | $20.26M |
| Jun 2026 | $195.48M | $165.67M | $1.25M | $22.73M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $165.67M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $165.67M.
Similar-sized banks
Integro Bank ($195.59M) · The Seiling State Bank ($195.04M)
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.
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