WAGGONER NATIONAL BANK OF VERNON, THE

VERNON, TX | Small | Est. July 3, 1899, midnight | FDIC #5569 | RSSD #548267 | OCC
Latest Report: 2025-12-31

WAGGONER NATIONAL BANK OF VERNON, THE is asn small FDIC-insured commercial bank headquartered in VERNON, TX, established in July 3, 1899, midnight. As of 2025-12-31, the bank reported total assets of $343M and total deposits of $297M. Profitability stands at 3.24% ROA and 24.33% ROE, with a net interest margin of 3.90%. The bank's CET1 capital ratio is 12.99%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.93% and a Texas Ratio of 3.36%. FDIC Certificate #5569.

Assets

$343M

Deposits

$297M

Loans

$181M

Equity

$45M

Profitability

Return on Assets (ROA) 3.24%
Return on Equity (ROE) 24.33%
Net Interest Margin (NIM) 3.90%
Yield on Assets 5.57%
Cost of Funds 1.79%

Asset Quality

NPL Ratio 0.93%
Net Charge-Off Ratio -0.38%
Texas Ratio 3.36%
NPA Ratio 0.49%
ACL / Loans 2.93%

Capital & Liquidity

CET1 Ratio 12.99%
Tier 1 Capital 12.99%
Total Capital Ratio 13.64%
Leverage Ratio 14.18%
Loan-to-Deposit 60.86%

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