Total Assets
$189M
Total balance-sheet footings
FDIC Cert #8028 · Mount Vernon, Georgia · Est. 1901
Mount Vernon Bank - FDIC Bank Health Profile
A community-scale look at Mount Vernon Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $189M
- Total assets
- C
- Health grade · Fair
- 1.64%
- Return on assets
- 9.9%
- Tier 1 capital
Data updated July 2026
The verdict
Mount Vernon Bank earns a PlainBankData health grade of C (61/100), with 9.94% Tier 1 capital, profitable at 1.64% ROA, 63% efficiency ratio.
- #3,093
- largest of 4,313 FDIC banks by assets
- 28th
- percentile by asset size, nationally
- 9.94%
- Tier 1 ratio - below the 10% well-capitalized line
- 80th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Mount Vernon Bank's 61/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Mount Vernon Bank's composite health score
Tier 1 Capital Ratio (9.94%) 18/40
Return on Assets (ROA) (1.64%) 25/25
Texas Ratio (17.37%) 10/20
Efficiency Ratio (63.28%) 8/15
61 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$174M
Customer-funded liabilities
Net Loans
$121M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Mount Vernon Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Mount Vernon Bank's score of 61/100 falls in the highlighted band.
Mount Vernon Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Mount Vernon Bank's $189M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.94% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.94%
Texas Ratio
17.37%
Equity Capital
$13M
Profitability metrics
Return on Assets (ROA)
80th percentile nationally
1.64%
Return on Equity (ROE)
26.99%
Efficiency Ratio
63.28%
What the numbers say about Mount Vernon Bank
Mount Vernon Bank is an FDIC-insured institution (Certificate #8028) headquartered in Mount Vernon, Georgia, established in 1901. It holds $189M in total assets - 3,093rd of 4,313 FDIC-insured banks, $174M in customer deposits, and $121M in net loans. Capital-wise, the Tier 1 ratio sits at 9.94%, falling short of the federal 10% well-capitalized bar; the Texas Ratio reads 17.37%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (61 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Mount Vernon Bank sits 99th of 129 banks headquartered in Georgia by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$12M
Interest Income
$717K
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Mount Vernon Bank reports a Texas Ratio of 17.37% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
17.37% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Georgia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Mount Vernon Bank (FDIC Cert #8028) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Georgia
All Georgia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameris BankAtlanta | $27.4B | A | 1.64% |
| RBC Bank, (Georgia) National AssociationAtlanta | $8.0B | A | 2.48% |
| Metro City BankDoraville | $4.7B | A | 1.79% |
| Colony BankFitzgerald | $3.7B | B | 0.92% |
| Georgia Banking CompanyAtlanta | $2.7B | B | 0.96% |
| United BankZebulon | $2.3B | A | 2.66% |
| Pinnacle BankElberton | $2.3B | B | 1.29% |
| Queensborough National Bank & Trust CompanyLouisville | $2.2B | A | 1.05% |
Frequently asked questions
What is Mount Vernon Bank's health grade?▼
Mount Vernon Bank receives a health grade of C (61/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Mount Vernon Bank?▼
Mount Vernon Bank holds $189M in total assets and $174M in deposits, ranking 3,093rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Mount Vernon, Georgia.
Is my money safe at Mount Vernon Bank?▼
Yes, deposits at Mount Vernon Bank (Certificate #8028) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Mount Vernon Bank's Tier 1 Capital Ratio?▼
Mount Vernon Bank has a Tier 1 Capital Ratio of 9.94%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Mount Vernon Bank?▼
Mount Vernon Bank has a Texas Ratio of 17.37%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Mount Vernon Bank?▼
Mount Vernon Bank has an Efficiency Ratio of 63.28%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Mount Vernon Bank's profile as a depositor or analyst.
- Mount Vernon Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Mount Vernon Bank against other Georgia banks before moving funds. Georgia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.