The Waggoner National Bank of Vernon
The Waggoner National Bank of Vernon is an FDIC-insured commercial bank headquartered in Vernon, TX, supervised by the OCC, with $342.3M in total assets at Q3 2026, up 1.1% from Q3 2025, the 200th largest of 345 banks headquartered in Texas. It was established in 1899 and holds FDIC certificate 5569. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.18% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
Also written as WNB of Vernon
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5569
- Headquarters
- Vernon, TX
- Established
- 1899
- Total assets, Q3 2026
- $342.3M
- Assets vs Q3 2025
- +1.1%
- Tier 1 leverage ratio, Q3 2026
- 15.18%
- Domestic offices
- 2 branches
- Routing number
- 111302833
- Safety and soundness
- Is The Waggoner National Bank of Vernon safe?
- Latest call report
- Q3 2026, FFIEC 051 · The Waggoner National Bank of Vernon call report
- Holding company
- VERNON BANCSHARES, INC.
- Asset rank in state
- 200th of 345 in Texas
The Waggoner National Bank of Vernon is one of the more profitable banks of its size. Its balance sheet stood at $342 million at September 30, 2026, up 1.1% from a year earlier; it is based in Vernon, Texas. It earns about $2.69 a year on every $100 of assets, about double the median of $1.30 for the 2,624 banks with $100 million to $1 billion in assets. It also spends about 43 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Loans are outrunning deposits: over the year loans rose 20.5% and deposits rose 2.4%. Its $41 million non-owner-occupied commercial real estate book is improving, with 3.05% past due or on nonaccrual, down from 6.40% a year earlier.
As of September 30, 2026, The Waggoner National Bank of Vernon reported a return on assets of 2.69%, a nonperforming-loan ratio of 0.61% and a Texas ratio of 2.62%. The figures come from its call report filed with the FFIEC.
The Waggoner National Bank of Vernon ranks as the 200th largest of the 345 banks based in Texas, by total assets at Q3 2026. Between Q2 2026 and Q3 2026, its total assets fell 3.2% to $342.3M, loans rose 5.0% and deposits fell 2.6%. Its loan book on September 30, 2026 was led by non-owner-occupied commercial real estate loans, at 20.0% of total loans, followed by farmland and other real estate loans at 17.4%. Its 2 offices in the FDIC Summary of Deposits are in Vernon, TX and Electra, TX; its Vernon office books 89% of its branch deposits. Judged on its Q3 2026 call report, The Waggoner National Bank of Vernon meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1818 Texas St, Vernon, TX 76384
- County
- Wilbarger
- Metro Area
- Vernon, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 3, 1899
- Domestic offices
- 2 branches
- Employees (FTE)
- 63
- Domestic deposits
- $296.9M
- Allowance for credit losses
- $5.2M
- Net charge-offs (YTD)
- $76K
- Average total assets
- $353.2M
- Average total loans
- $201.6M
- Average interest-bearing deposits
- $248.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5569
- Fed RSSD
- 548267
- Website
- www.wnbvernon.com →
- Parent Holding Company
- VERNON BANCSHARES, INC. (RSSD 2524685)
- Ultimate Parent
- WAGGONER NATIONAL BANCSHARES, INC. (RSSD 3386321)
Profitability
Q3 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, The Waggoner National Bank of Vernon reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, The Waggoner National Bank of Vernon's total assets ran between $323.3M (Q3 2024) and $357.2M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$342.3M total assets against $338.5M; $299.1M total liabilities against $292.2M.
$201.8M net loans and leases against $166.5M; $296.9M total deposits against $289.9M.
$106.9M securities against $127.3M; $8.2M cash and balances due against $20.9M.
$4.6M total interest income against $4.2M; $1.2M total interest expense against $1.3M.
$3.4M net interest income against $2.8M.
$902K total noninterest income against $954K; $1.9M total noninterest expense against $1.9M.
$5K provision for credit losses against $18K.
$2.4M net income against $1.9M.
2.69% return on assets against 2.23%; 4.24% net interest margin against 3.78%.
15.18% tier 1 leverage ratio against 15.48%.
Inside the full The Waggoner National Bank of Vernon terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Waggoner National Bank of Vernon rankings
Its closest position to the top of a national ranking is 114 of 3,627, for ROA; its furthest is 2,061 of 3,644, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from 1.75% (Q1 2025) to 3.20% (Q4 2025) and its net interest margin ran from 3.30% (Q1 2025) to 4.24% (Q3 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 15.18% | 2.69% | 0.61% | 2.62% | 4.24% |
| Q2 2026 | 14.41% | 2.64% | 0.66% | 2.50% | 4.18% |
| Q1 2026 | 14.14% | 2.23% | 0.90% | 3.35% | 3.79% |
| Q4 2025 | 14.18% | 3.20% | 0.93% | 3.36% | 3.98% |
| Q3 2025 | 15.48% | 2.23% | 1.36% | 4.52% | 3.78% |
| Q2 2025 | 14.99% | 2.09% | 2.39% | 8.36% | 3.65% |
| Q1 2025 | 14.51% | 1.75% | 1.50% | 5.39% | 3.30% |
| Q4 2024 | 14.81% | 2.15% | 1.40% | 5.58% | 3.58% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Waggoner National Bank of Vernon | Vernon , TX | 76384 | $272.0M |
| Electra Branch | Electra , TX | 76360 | $32.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 239 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 53 applications, 48 loans originated, $10.8M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Waggoner National Bank of Vernon
What are The Waggoner National Bank of Vernon's total assets?
As of the Q3 2026 filing, The Waggoner National Bank of Vernon reported total assets of $342.3 million in its FFIEC call report.
Where is The Waggoner National Bank of Vernon headquartered?
It is headquartered in Vernon, TX, United States.
When was The Waggoner National Bank of Vernon founded?
It was established in 1899, per the FDIC institution directory.
Is The Waggoner National Bank of Vernon FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5569). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Waggoner National Bank of Vernon?
The Waggoner National Bank of Vernon's primary federal regulator is the OCC.
How many branches does The Waggoner National Bank of Vernon operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Waggoner National Bank of Vernon's Texas Ratio?
Its Texas Ratio is 2.62% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
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