Mount Vernon Bank (FDIC #8028): Bank Stress & Real-Estate Credit Exposure
Mount Vernon Bank (FDIC Cert #8028): bank stress 75/100, severe, STABLE over 7 days; parent HEART OF GA BANCSHARES INC.
Mount Vernon Bank (#8028) lends in 3 counties across 1 state; Mount Vernon Bank (#8028) reaches 15 ZIP codes: Georgia 3 counties, 15 ZIPs.
Mount Vernon Bank (#8028) largest markets: Montgomery County, GA (7 branches, 7 ZIPs) (#8028), Telfair County, GA (14 branches, 7 ZIPs) (#8028), Toombs County, GA (6 branches, 3 ZIPs) (#8028).
Mount Vernon Bank (#8028) reports $217.6 million in total assets; Mount Vernon Bank (#8028) equity $15.7 million (7.2% of Mount Vernon Bank (#8028) assets); Mount Vernon Bank (#8028) domestic deposits $199.7 million; Mount Vernon Bank (#8028) net income $1.3 million; Mount Vernon Bank (#8028) return on assets 1.27%; Mount Vernon Bank (#8028) return on equity 18.31%; Mount Vernon Bank (#8028) net interest income $4.4 million; Mount Vernon Bank (#8028) call report June 30, 2026.
Mount Vernon Bank (#8028) noncurrent real-estate loans: none reported; Mount Vernon Bank (#8028) net charge-offs on real estate 0.52%; Mount Vernon Bank (#8028) residential charge-offs 0.57%.
Mount Vernon Bank (#8028) net interest margin 4.71% against an eight-quarter Mount Vernon Bank (#8028) average of 4.40% (Mount Vernon Bank (#8028) compression -0.31 points); Mount Vernon Bank (#8028) non-residential real estate 56.6% of equity; Mount Vernon Bank (#8028) rate-exposure score 40/100, Mount Vernon Bank (#8028) fixed-rate trap 40/100; Mount Vernon Bank (#8028) risk type credit driven; Mount Vernon Bank (#8028) rate regime rates elevated, Mount Vernon Bank (#8028) snapshot October 19, 2026.
Mount Vernon Bank (#8028) stress score moved from 75.6 on June 22, 2026 to 74.9 on October 19, 2026; Mount Vernon Bank (#8028) ranged 74.9 to 75.6 over 116 snapshots.
Mount Vernon Bank (#8028) alerts: 3 counties; top Mount Vernon Bank (#8028) alert scores: Mcrae Helena County, GA 24 (low); Mount Vernon County, GA 24 (low); Vidalia County, GA 24 (low).