Advertisement
The Waggoner National Bank Of Vernon
Vernon, TX · FDIC Certificate #5569 · Chartered 07/0
Total assets
$353.74M
Total deposits
$304.84M
Total equity
$46.73M
Net loans
$192.02M
Branches (offices)
2
Net income (YTD)
$4.34M
Rank: #2,237 of 4,213 U.S. banks by assets · #193 of 346 in Texas. Assets changed 7.5% and deposits 6.8% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.47% |
| Return on equity | 19.22% |
| Net interest margin (YTD) | 3.97% |
| Equity to assets | 13.21% |
| Tier 1 leverage ratio | 14.41% |
| Uninsured deposits (share of deposits) | 37.6% |
| Noncurrent loans (share of loans) | 0.66% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 63.0% |
| Real estate loans (share of loans) | 72.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $138.99M | 72.4% | |
| Commercial & industrial | $20.12M | 10.5% | |
| Consumer / individual | $11.42M | 5.9% | |
| Construction & development | $17.28M | 9.0% | |
| Agricultural | $8.05M | 4.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $375.87M | $338.83M | $4.28M | $34.51M |
| Jun 2023 | $364.50M | $320.65M | $4.00M | $36.26M |
| Jun 2024 | $325.27M | $282.41M | $3.17M | $40.27M |
| Jun 2025 | $328.97M | $285.44M | $3.24M | $41.29M |
| Jun 2026 | $353.74M | $304.84M | $4.34M | $46.73M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $304.84M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $304.84M.
Similar-sized banks
First State Bank Of Dekalb County ($353.84M) · Citizens Bank Of Ada ($353.71M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement