🏦Bank Scorer

MOUNT VERNON BANK AND TRUST COMPANY

MOUNT VERNON, IA · Supervised by FDIC

Est. 1884FDIC #10,494RSSD: FDIC-10494
Part ofMOUNT VERNON BCORP→ View all charters
Satisfactory Same

Current rating · Exam: June 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.30%

Institution Profile

FDIC BankFind

Address

206 1st St Sw, MOUNT VERNON, IA

County

Linn County

Established

January 1, 1884

Total Assets

$196M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$196M

Total Deposits

$165M

Net Loans

$133M

Net Income

$619K

ROA

1.30%

ROE

11.33%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate0.78%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$150M

1-Year Change

-1

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202412896.88%0.78%
202314597.24%1.38%
202221198.1%0.00%
202122899.56%0.44%
202039398.98%0.76%
201918398.36%1.09%
201812899.22%0.00%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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