BanksWAGGONER NATIONAL BANK OF VERNON, THE

WAGGONER NATIONAL BANK OF VERNON, THE

VERNON, TXSmallEst. July 3, 1899, midnightFDIC #5569RSSD #548267OCC
Latest · 2025-12-31

WAGGONER NATIONAL BANK OF VERNON, THE is an 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%. CET1 capital ratio: 12.99%, well above regulatory minimums. NPL ratio: 0.93% · Texas Ratio: 3.36%. Operates 2 domestic branches.

Assets
$343M
Deposits
$297M
Loans
$181M
Equity
$45M

Profitability

Return on Assets (ROA)3.24%
Return on Equity (ROE)24.33%
Net Interest Margin3.90%
Yield on Assets5.57%
Cost of Funds1.79%

Asset Quality

NPL Ratio0.93%
Net Charge-Off Ratio-0.38%
Texas Ratio3.36%
NPA Ratio0.49%
ACL / Loans2.93%

Capital & Liquidity

CET1 Ratio12.99%
Tier 1 Capital12.99%
Total Capital Ratio13.64%
Leverage Ratio14.18%
Loan-to-Deposit60.86%

This is just the summary.

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