Mount Vernon Bank: how it compares with its peers
Against 64 GA banks with half to twice its assets, Mount Vernon Bank's strongest measure in Q2 2026 is net interest margin (4.71% vs. a 4.58% peer median). Its weakest relative measure is assets per employee ($5.3M vs. $6.6M).
| Measure | Mount Vernon Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.27% | 1.53% | Bottom third Ahead of 33% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.71% | 4.58% | Middle third Ahead of 59% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.84% | 59.94% | Bottom third Ahead of 25% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.3M | $6.6M | Bottom third Ahead of 22% of peers |
| Loans to deposits Net loans and leases over total deposits. | 71.04% | 77.25% | Context |
What it means for lending operations
Its efficiency ratio of 68.84% is above the 59.94% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Bank of Coastal Georgia Pembroke, GA · $216M
- Citizens Community Bank Hahira, GA · $222M
- Vidalia Federal Savings Bank Vidalia, GA · $212M
- Embassy National Bank Lawrenceville, GA · $228M
- The First National Bank of Waynesboro Waynesboro, GA · $229M
- Legacy State Bank Loganville, GA · $206M
Questions about Mount Vernon Bank
How big is Mount Vernon Bank?
Mount Vernon Bank, established in 1901, is headquartered in Mount Vernon, GA. It reported $218M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Mount Vernon Bank's return on assets?
1.27% annualized in Q2 2026, against a 1.53% median for 64 GA banks with half to twice its assets, ahead of 33% of them.
What is Mount Vernon Bank's efficiency ratio?
68.84% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 59.94%, and lower is better.
Is Mount Vernon Bank growing its loans?
Net loans grew 19.5% over the year to Q2 2026, while deposits grew 10.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.