| Metric | Mount Vernon Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.8% | +4.4% | +8.5 pts |
| Deposit growth (YoY) | +10.8% | +4.0% | +6.9 pts |
| Loan growth (YoY) | +19.5% | +5.6% | +13.9 pts |
| ROA | 1.27% | 1.24% | +0.0 pts |
| ROE | 18.3% | 11.9% | +6.4 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $217.6M | $199.7M | $141.9M | $15.7M | $1.3M | 1.27% | 4.71% | 0.42% |
| Q1 2026 | $194.6M | $180.2M | $132.4M | $12.8M | $596K | 1.24% | 4.63% | 1.47% |
| Q4 2025 | $188.6M | $173.5M | $121.2M | $13.1M | $3.1M | 1.64% | 4.63% | 1.34% |
| Q3 2025 | $195.6M | $181.3M | $120.4M | $12.5M | $2.5M | 1.76% | 4.59% | 0.28% |
| Q2 2025 | $192.8M | $180.2M | $118.7M | $11.0M | $1.7M | 1.86% | 4.60% | 0.30% |
| Q1 2025 | $187.7M | $175.2M | $119.1M | $11.0M | $848K | 1.83% | 4.50% | 0.03% |
| Q4 2024 | $183.8M | $172.0M | $116.4M | $10.0M | $2.5M | 1.39% | 3.86% | 0.31% |
| Q3 2024 | $184.2M | $150.5M | $113.0M | $11.3M | $1.8M | 1.33% | 3.71% | 0.30% |
Loan mix (Q2 2026): real estate $125.5M · commercial $10.4M · consumer $3.4M · securities $41.7M
| Ratio | Mount Vernon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 1.24% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 18.3% | 11.9% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.71% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.8% | 62.9% | 66th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Mount Vernon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Mount Vernon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Mount Vernon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Mount Vernon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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