TellerScore

Bridge Community Bank is a state-chartered bank headquartered in Mount Vernon, Iowa, in business for about 123 years. At the end of Q2 2026 it reported $141.1M in total assets and $116.7M in deposits, with 3 offices.

Based on its Q2 2026 filing, Bridge Community Bank scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 106th. Its strongest component is problem-loan coverage (100/100; 0.1%), and its lowest is capital cushion (55/100; 10.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Tier 1 leverage ratio: 10.49%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.03%
Earnings70/100
Return on assets (annualized): 1.26%
Funding & liquidity56/100
Loans ÷ deposits and uninsured-deposit share: 83.8% · 33.1% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.12%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (76 → 74), mostly because the capital cushion component weakened by 12 points.

TellerScore
597182Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202477
Q4 202478
Q1 202582
Q2 202576
Q3 202559
Q4 202567
Q1 202672
Q2 202674
Tier 1 leverage ratio
5.00%8.91%12.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.34%
Q3 202411.89%
Q4 202412.24%
Q1 202512.81%
Q2 202511.69%
Q3 20259.30%
Q4 20259.79%
Q1 20269.87%
Q2 202610.49%
Noncurrent loans
0.00%0.02%0.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.02%
Q3 20250.02%
Q4 20250.03%
Q1 20260.03%
Q2 20260.03%
Return on assets
-0.14%0.60%1.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.07%
Q3 20241.09%
Q4 20241.16%
Q1 20251.35%
Q2 20251.06%
Q3 2025-0.14%
Q4 20250.66%
Q1 20261.30%
Q2 20261.26%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$141.1M10.49%0.03%1.26%83.8%
Q1 202672$148.5M9.87%0.03%1.30%78.9%
Q4 202567$148.0M9.79%0.03%0.66%77.5%
Q3 202559$144.1M9.30%0.02%-0.14%76.9%
Q2 202576$126.6M11.69%0.02%1.06%85.2%
Q1 202582$125.9M12.81%0.00%1.35%85.6%
Q4 202478$126.7M12.24%0.00%1.16%87.6%
Q3 202477$131.1M11.89%0.00%1.09%83.7%
Q2 202479$123.6M12.34%0.00%1.07%86.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.49%
41st
Total risk-based capital0.00%
24th
Problem loans0.03%
82nd
Net charge-offs-0.01%
86th
Return on assets1.26%
51st
Net interest margin4.91%
91st
Efficiency ratio44.7%
91st
Loans to deposits83.8%
41st
Uninsured deposits33.1%
21st
Loan-loss reserves1.05%
32nd
Texas ratio0.1%
85th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
First State BankBank Belmond, IA67 out of 100, Moderate$141.7M11.2%0.92%vs
Farmers Savings BankBank Marshalltown, IA85 out of 100, Very strong$140.3M16.5%0.57%vs
Community BankBank Dunlap, IA76 out of 100, Strong$138.3M11.0%0.28%vs
Corydon State BankBank Corydon, IA71 out of 100, Strong$138.0M25.7%5.45%vs
Citizens State BankBank Wyoming, IA91 out of 100, Very strong$137.7M17.9%0.25%vs
Bank PlusBank Estherville, IA72 out of 100, Strong$144.6M10.7%0.00%vs

Deposit insurance

Is my money safe at Bridge Community Bank?

Yes. Bridge Community Bank is an FDIC-insured institution (FDIC certificate #12717). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.1% of deposits ($38.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.49%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Bridge Community Bank lists 3 offices in 3 cities. Most locations:

  • Mechanicsville, IA (1)
  • Mount Vernon, IA (1)
  • Solon, IA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bridge Community Bank reported 47 home-loan applications under HMDA (LEI 549300181OTPC1TU7Q22): 43 originated ($10,045,000 total), 1 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bridge Community Bank
Former names
The Mechanicsville Trust and Savings Bank; Mechanicsville Trust and Savings Bank
Type
State-chartered bank
FDIC certificate #
12717
RSSD ID
882541
Primary regulator
FDIC
Holding company
Orion Bcorp Inc
Established
September 8, 1903
Headquarters
302 Highway 1 S, Mount Vernon, IA 52314
Employees
17

Quick answers

Bridge Community Bank: common questions

Is Bridge Community Bank FDIC insured?

Yes. Bridge Community Bank is an FDIC-insured institution (FDIC certificate #12717). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bridge Community Bank's TellerScore?

74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bridge Community Bank ever failed?

There is no failure record for FDIC certificate #12717 in the FDIC failed bank list.

How many branches does Bridge Community Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Mount Vernon

InstitutionScoreAssetsCapitalProblem loansCompare
Metco Credit UnionCredit union Cedar Rapids, IA92 out of 100, Very strong$58.7M18.8%0.70%vs
Farmers State BankBank Marion, IA91 out of 100, Very strong$1.1B14.4%0.21%vs
Citizens State BankBank Wyoming, IA91 out of 100, Very strong$137.7M17.9%0.25%vs
Cedar Rapids Bank and Trust CompanyBank Cedar Rapids, IA87 out of 100, Very strong$2.9B16.9%0.54%vs
Liberty Trust & Savings BankBank Durant, IA86 out of 100, Very strong$186.2M20.7%0.86%vs
Hills Bank and Trust CompanyBank Hills, IA84 out of 100, Strong$4.8B13.4%0.40%vs