The Bank of Vernon: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 199.15 percentage points higher than in Q1 2026, at 1146.79%. The Bank of Vernon ranks 73rd of 93 Alabama banks on return on assets, in the lower half at 0.69% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Bank of Vernon sits 0.56 points lower, at 0.69% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.60% |
| Equity capital to assets | 15.73% |
| Tangible equity to tangible assets | 15.73% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.13% |
| Non-performing assets ratio | 0.25% |
| Net charge-off ratio | 0.13% |
| Texas ratio | 3.49% |
| Allowance for credit losses to loans | 1.45% |
| Reserve coverage of non-performing loans | 1146.79% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.69% |
| Return on equity | 4.35% |
| Net interest margin | 4.83% |
| Efficiency ratio | 46.01% |
| Yield on earning assets | 7.03% |
| Cost of funds | 2.54% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.05% |
| Core deposits to total deposits | 89.54% |
| Brokered deposits to total deposits | 2.88% |
| Deposits to assets | 83.90% |
| Securities to assets | 11.92% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 19.47% | 7.92% | 3.86% | 0.28% | 1.99% |
| Q4 2023 | 18.66% | 0.96% | 3.96% | 0.22% | -0.03% |
| Q1 2024 | 18.57% | 1.34% | 3.90% | 0.52% | 0.00% |
| Q2 2024 | 18.51% | 1.59% | 4.05% | 0.79% | 0.56% |
| Q3 2024 | 18.41% | 1.25% | 4.14% | 0.75% | -0.65% |
| Q4 2024 | 17.81% | 1.07% | 4.08% | 0.88% | 0.23% |
| Q1 2025 | 17.92% | 1.22% | 4.34% | 0.96% | 0.74% |
| Q2 2025 | 17.97% | 1.51% | 4.73% | 0.24% | 0.49% |
| Q3 2025 | 17.77% | 1.90% | 4.96% | 0.15% | -0.77% |
| Q4 2025 | 17.23% | 0.89% | 5.02% | 0.14% | 0.94% |
| Q1 2026 | 17.09% | 1.86% | 4.77% | 0.12% | 0.06% |
| Q2 2026 | 16.60% | 0.69% | 4.83% | 0.13% | 0.13% |
The Bank of Vernon vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Vernon, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bank of Vernon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 51) · FFIEC NIC profile (RSSD 382537)