BANK OF VERNON, THE
BANK OF VERNON, THE is an FDIC-insured commercial bank headquartered in VERNON, AL, established in 1911. As of , the bank reported total assets of $415M and total deposits of $345M. Profitability stands at 0.89% ROA and 5.41% ROE, with a net interest margin of 4.94%. CET1 capital ratio: 16.31%, well above regulatory minimums. NPL ratio: 0.14% · Texas Ratio: 1.61%. Operates 5 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Bank of Vernon, the rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 16.31% | 0.89% | 0.14% | 1.61% | 4.94% |
| 2025-09-30 | 16.64% | 1.88% | 0.15% | 2.32% | 4.94% |
| 2025-06-30 | 16.43% | 1.49% | 0.24% | 2.79% | 4.71% |
| 2025-03-31 | 16.57% | 1.22% | 0.96% | 4.41% | 4.25% |
| 2024-12-31 | 16.40% | 1.07% | 0.88% | 4.03% | 4.06% |
| 2024-09-30 | 16.70% | 1.24% | 0.75% | 2.78% | 4.11% |
| 2024-06-30 | 17.05% | 1.60% | 0.79% | 3.32% | 4.02% |
| 2024-03-31 | 16.78% | 1.34% | 0.52% | 1.89% | 3.87% |
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Frequently asked about BANK OF VERNON, THE
What are Bank of Vernon, the's total assets?
As of the Q4 2025 filing, Bank of Vernon, the reported total assets of $414.6 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Vernon, the headquartered?
Bank of Vernon, the is headquartered in VERNON, AL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bank of Vernon, the founded?
Bank of Vernon, the was established in 1911, per the FDIC institution directory.
Is Bank of Vernon, the FDIC-insured?
Yes. Bank of Vernon, the is an FDIC-insured commercial bank (FDIC Certificate #51). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Vernon, the?
Bank of Vernon, the's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of Vernon, the's CET1 capital ratio?
Bank of Vernon, the reported a Common Equity Tier 1 (CET1) capital ratio of 16.31% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Bank of Vernon, the operate?
Bank of Vernon, the operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Bank of Vernon, the's Texas Ratio?
Bank of Vernon, the's Texas Ratio is 1.61% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.