Mount Vernon Bank
Mount Vernon, GA
IDRSSD: 807432
Total Assets
$195.58M
Latest filing
Total Deposits
$181.27M
Latest filing
Net Interest Margin
4.58%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Mount Vernon Bank
101 S Railroad Ave
Mount Vernon, GA 30445
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/24/1901FDIC Certificate 5109
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Mount Vernon Bank (Main) | 101 S Railroad Ave | Mount Vernon, GA |
| WEST FIRST STREET BRANCH | 402 W 1st St | Vidalia, GA |
| VIDALIA BRANCH | 2109 E 1st St | Vidalia, GA |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/24/1901 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30445 |
| State and County Number | 13209 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Vidalia, GA |
Operational Info
| Number of Employees | 27 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.mountvernon.bank |
| Data Updated | 11/14/2025 |
| CERT | 8028 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $195.58M |
| Total Deposits | $181.27M |
| Total Liabilities | $183.05M |
| Total Equity Capital | $12.53M |
| Net Income | $767.00k |
| Net Loans and Leases | $120.43M |
| Assets Per Employee ($Millions) | $6.99M |
| Bank Premises and Fixed Assets | $3.93M |
| Cash and Balances due from Depository Institutions | $28.05M |
| Deposits Held in Domestic Offices | $181.27M |
Key Performance Ratios
| Return on Assets (ROA) | 1.58% |
| Return on Equity (ROE) | 26.04% |
| Net Interest Margin | 4.58% |
| Efficiency Ratio | 63.57% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.407% |
| Earning Assets to total Assets | 92.84% |
Income and Expense
| Total Interest Income | $2.96M |
| Total Noninterest Income | $175.00k |
| Total Interest Expense | $894.00k |
| Total Noninterest Expense | $1.42M |
| Net Interest Income | $2.06M |
| Pre-tax Net Operating Income | $766.00k |
| Provision for Credit Losses | $50.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.78M |
| Total Liabilities and Capital | $195.58M |
Securities
| Securities | $37.94M |
| Available-for-sale debt securities | $37.94M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Mount Vernon Bank?
$195.58M as of the latest filing.
How much are Mount Vernon Bank's total deposits?
$181.27M in total deposits.
Where is Mount Vernon Bank located?
Mount Vernon, GA.
What is the Net Interest Margin?
4.58%.
How many domestic offices does it operate?
3.
When was it established?
01/24/1901.
What is the Return on Assets (ROA)?
1.58%.
How much are total loans and leases?
$120.43M (latest filing).
What is the total interest income (latest filing)?
$2.96M.