Side-by-side · Q2 2026 data
Mount Vernon Bank vs Legacy State Bank
Metric by metric
| Measure | Mount Vernon Bank | Legacy State Bank |
|---|---|---|
| TellerScore | 71 | 75 (stronger) |
| Capital cushion | 53 | 71 (stronger) |
| Loan quality | 79 | 98 (stronger) |
| Earnings | 71 (stronger) | 64 |
| Funding & liquidity | 82 (stronger) | 45 |
| Problem-loan coverage | 89 | 99 (stronger) |
| Peer percentile | 47th | 61st |
| Total assets | $217.6M | $205.9M |
| Deposits / shares | $199.7M | $180.3M |
| Capital ratio | 10.26% | 12.05% (stronger) |
| Problem loans | 0.64% | 0.05% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.27% (stronger) | 1.11% |
| Loans ÷ deposits | 71.0% (stronger) | 85.2% |
| Uninsured deposits | 21.5% (stronger) | 42.7% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Legacy State Bank has the higher TellerScore (75 vs 71). On the 6 directional measures above (where higher or lower is clearly better), Mount Vernon Bank leads on 3 and Legacy State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.