Mount Vernon Bank (FDIC certificate #8028) is based in Mount Vernon, Georgia. Its Q2 2026 call report shows $217.6M in total assets and $199.7M in deposits and 5 offices.
Based on its Q2 2026 filing, Mount Vernon Bank scores 71/100, which we describe as strong. That is higher than only 47% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 79th. Its strongest component is problem-loan coverage (89/100; 5.3%), and its lowest is capital cushion (53/100; 10.26%).
TellerScore · Q2 2026
Scorecard
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 5 points (76 → 71), mostly because the earnings component weakened by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 70 |
| Q4 2024 | 72 |
| Q1 2025 | 80 |
| Q2 2025 | 76 |
| Q3 2025 | 76 |
| Q4 2025 | 59 |
| Q1 2026 | 54 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.01% |
| Q3 2024 | 9.25% |
| Q4 2024 | 9.31% |
| Q1 2025 | 9.57% |
| Q2 2025 | 9.73% |
| Q3 2025 | 9.88% |
| Q4 2025 | 9.94% |
| Q1 2026 | 9.97% |
| Q2 2026 | 10.26% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.69% |
| Q3 2024 | 0.48% |
| Q4 2024 | 0.49% |
| Q1 2025 | 0.05% |
| Q2 2025 | 0.48% |
| Q3 2025 | 0.45% |
| Q4 2025 | 2.06% |
| Q1 2026 | 2.14% |
| Q2 2026 | 0.64% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.32% |
| Q3 2024 | 1.33% |
| Q4 2024 | 1.39% |
| Q1 2025 | 1.83% |
| Q2 2025 | 1.86% |
| Q3 2025 | 1.76% |
| Q4 2025 | 1.64% |
| Q1 2026 | 1.24% |
| Q2 2026 | 1.27% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $217.6M | 10.26% | 0.64% | 1.27% | 71.0% |
| Q1 2026 | 54 | $194.6M | 9.97% | 2.14% | 1.24% | 73.5% |
| Q4 2025 | 59 | $188.6M | 9.94% | 2.06% | 1.64% | 69.8% |
| Q3 2025 | 76 | $195.6M | 9.88% | 0.45% | 1.76% | 66.4% |
| Q2 2025 | 76 | $192.8M | 9.73% | 0.48% | 1.86% | 65.9% |
| Q1 2025 | 80 | $187.7M | 9.57% | 0.05% | 1.83% | 68.0% |
| Q4 2024 | 72 | $183.8M | 9.31% | 0.49% | 1.39% | 67.7% |
| Q3 2024 | 70 | $184.2M | 9.25% | 0.48% | 1.33% | 75.1% |
| Q2 2024 | 67 | $186.7M | 9.01% | 0.69% | 1.32% | 72.0% |
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).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Bank of Coastal GeorgiaBank Pembroke, GA | 59 out of 100, Moderate | $215.7M | 9.1% | 0.35% | vs |
| Citizens Community BankBank Hahira, GA | 67 out of 100, Moderate | $221.9M | 8.9% | 0.89% | vs |
| Vidalia Federal Savings BankBank Vidalia, GA | 64 out of 100, Moderate | $212.0M | 12.0% | 0.79% | vs |
| Embassy National BankBank Lawrenceville, GA | 74 out of 100, Strong | $227.9M | 11.0% | 0.00% | vs |
| The First National Bank of WaynesboroBank Waynesboro, GA | 94 out of 100, Very strong | $229.1M | 19.1% | 0.20% | vs |
| Legacy State BankBank Loganville, GA | 75 out of 100, Strong | $205.9M | 12.1% | 0.05% | vs |
Deposit insurance
Is my money safe at Mount Vernon Bank?
Yes. Mount Vernon Bank is an FDIC-insured institution (FDIC certificate #8028). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.5% of deposits ($43.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.26%, 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%).
5 locations
Branches
Mount Vernon Bank lists 4 offices in 4 cities. Most locations:
- Lumber City, GA (1)
- Mcrae Helena, GA (1)
- Mount Vernon, GA (1)
- Vidalia, GA (1)
Identity & history
Profile
- Legal name
- Mount Vernon Bank
- Former names
- Bank South, Mount Vernon; Citizens Bank & Trust Company of Mount Vernon
- Type
- State-chartered bank
- FDIC certificate #
- 8028
- RSSD ID
- 807432
- Primary regulator
- FDIC
- Holding company
- Heart of Ga Bancshares Inc
- Established
- January 24, 1901
- Headquarters
- 115 N Railroad Ave, Mount Vernon, GA 30445
- Website
- www.mountvernon.bank
- Employees
- 41
Quick answers
Mount Vernon Bank: common questions
Is Mount Vernon Bank FDIC insured?
Yes. Mount Vernon Bank is an FDIC-insured institution (FDIC certificate #8028). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Mount Vernon Bank's TellerScore?
71 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 Mount Vernon Bank ever failed?
There is no failure record for FDIC certificate #8028 in the FDIC failed bank list.
How many branches does Mount Vernon Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mount Vernon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sunmark Community BankBank Perry, GA | 92 out of 100, Very strong | $556.6M | 14.6% | 0.02% | vs |
| The Security State BankBank Mcrae, GA | 91 out of 100, Very strong | $70.5M | 14.1% | 0.59% | vs |
| The Merchants & Citizens BankBank Mcrae, GA | 79 out of 100, Strong | $146.0M | 13.2% | 0.36% | vs |
| Georgia First BankBank Soperton, GA | 75 out of 100, Strong | $290.8M | 9.5% | 0.07% | vs |
| Altamaha Bank & Trust CompanyBank Vidalia, GA | 74 out of 100, Strong | $334.1M | 10.2% | 0.32% | vs |
| Ameris BankBank Atlanta, GA | 67 out of 100, Moderate | $28.4B | 11.4% | 0.57% | vs |