Bank Comparison
Phenix-Girard Bank vs The Waggoner National Bank of Vernon
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 8
winning metrics across 13 scored rows
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | Phenix-Girard Bank | The Waggoner National Bank of Vernon |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.76% | 15.18% |
| Equity / Assets | 2.62% | 12.63% |
Profitability
| Metric | Phenix-Girard Bank | The Waggoner National Bank of Vernon |
|---|---|---|
| Return on Assets (ROA) | 1.16% | 2.69% |
| Return on Equity (ROE) | 56.15% | 21.14% |
| Net Interest Margin (NIM) | 2.52% | 4.24% |
| Yield on Earning Assets | 4.23% | 5.76% |
| Cost of Funds | 1.94% | 1.67% |
Asset quality
| Metric | Phenix-Girard Bank | The Waggoner National Bank of Vernon |
|---|---|---|
| Texas Ratio | 4.94% | 2.62% |
| Non-Performing Loan Ratio | 0.60% | 0.61% |
| Non-Performing Asset Ratio | 0.15% | 0.37% |
| Net Charge-Off Ratio | 0.04% | 0.10% |
| ACL / Loans | 1.36% | 2.52% |
Balance sheet
| Metric | Phenix-Girard Bank | The Waggoner National Bank of Vernon |
|---|---|---|
| Total Assets | $342.3M | $342.3M |
| Total Deposits | $323.6M | $296.9M |
| Total Loans | $82.3M | $207.0M |
| Total Equity | $9.0M | $43.2M |
| Net Income (quarter) | $1.1M | $2.4M |
Liquidity & funding
| Metric | Phenix-Girard Bank | The Waggoner National Bank of Vernon |
|---|---|---|
| Loan-to-Deposit Ratio | 25.44% | 69.75% |
| Core Deposit Ratio | 99.76% | 95.22% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Phenix-Girard Bank | The Waggoner National Bank of Vernon |
|---|---|---|
| Headquarters City | Phenix City | Vernon |
| Headquarters State | AL | TX |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FDIC | OCC |
| Domestic Branches | 4 | 2 |
| Employees (FTE) | 46 | 63 |
| Established | May 4, 1904 | July 3, 1899 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full Phenix-Girard Bank profile | View full The Waggoner National Bank of Vernon profile | Browse all bank comparisons