Mount Vernon Bank
Mount Vernon, GA
IDRSSD: 807432
Total Assets
$188.65M
Latest filing
Total Deposits
$173.52M
Latest filing
Net Interest Margin
4.68%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
061206681MOUNT VERNON, GA
Key People
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Locations
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Main Office
Mount Vernon Bank
115 N Railroad Ave
Mount Vernon, GA 30445
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/24/1901FDIC Certificate 5109
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Mount Vernon Bank (Main) | 115 N 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 | 28 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 12/01/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.mountvernon.bank |
| Data Updated | 01/30/2026 |
| CERT | 8028 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $188.65M |
| Total Deposits | $173.52M |
| Total Liabilities | $175.58M |
| Total Equity Capital | $13.07M |
| Net Income | $597.00k |
| Net Loans and Leases | $121.17M |
| Assets Per Employee ($Millions) | $6.29M |
| Bank Premises and Fixed Assets | $4.26M |
| Cash and Balances due from Depository Institutions | $18.21M |
| Deposits Held in Domestic Offices | $173.52M |
Key Performance Ratios
| Return on Assets (ROA) | 1.24% |
| Return on Equity (ROE) | 18.66% |
| Net Interest Margin | 4.68% |
| Efficiency Ratio | 71.4% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.928% |
| Earning Assets to total Assets | 92.7% |
Income and Expense
| Total Interest Income | $2.97M |
| Total Noninterest Income | $168.00k |
| Total Interest Expense | $885.00k |
| Total Noninterest Expense | $1.61M |
| Net Interest Income | $2.09M |
| Pre-tax Net Operating Income | $585.00k |
| Provision for Credit Losses | $60.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| 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 | $2.05M |
| Total Liabilities and Capital | $188.65M |
Securities
| Securities | $39.61M |
| Available-for-sale debt securities | $39.61M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$188.65M as of the latest filing.
How much are Mount Vernon Bank's total deposits?
$173.52M in total deposits.
Where is Mount Vernon Bank located?
Mount Vernon, GA.
What is the Net Interest Margin?
4.68%.
How many domestic offices does it operate?
3.
When was it established?
01/24/1901.
What is the Return on Assets (ROA)?
1.24%.
How much are total loans and leases?
$121.17M (latest filing).
What is the total interest income (latest filing)?
$2.97M.