Bank call report · Vernon, TX
The Waggoner National Bank of Vernon Call Report
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The Waggoner National Bank of Vernon filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 286 reported line items, schedule by schedule (461 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 548267 |
| FDIC certificate number | 5569 |
| Total assets | $353.7M |
Official Q2 2026 call report PDF (FFIEC) →
The Waggoner National Bank of Vernon call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (21 items)
About Schedule RC · The Waggoner National Bank of Vernon balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $353.7M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $353.7M |
| Total Liabilities and Minority Interest | RCON2948 | $307.0M |
| Total Deposits | RCON2200 | $304.8M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $254.3M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $197.3M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $192.0M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $119.7M |
| Deposits: Noninterest-bearing | RCON6631 | $50.5M |
| Total Equity Capital | RCON3210 | $46.7M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $46.7M |
| Undivided Profits and Capital Reserves | RCON3632 | $40.4M |
| Other Assets | RCON2160 | $22.3M |
| Interest-bearing Balances | RCON0071 | $10.8M |
| Surplus | RCON3839 | $10.1M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $6.8M |
| Allowance for Loan and Lease Losses | RCON3123 | $5.3M |
| Accumulated Other Comprehensive Income | RCONB530 | -$4.8M |
| Other Liabilities, Total | RCON2930 | $2.2M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $2.1M |
| Common Stock | RCON3230 | $1.1M |
Schedule RI: Income Statement (37 items)
About Schedule RI · The Waggoner National Bank of Vernon income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $8.9M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $6.8M |
| Net Interest Income | RIAD4074 | $6.3M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $4.3M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $4.3M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $4.3M |
| Net Income (Loss) | RIAD4340 | $4.3M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $4.3M |
| Total Noninterest Expense | RIAD4093 | $3.9M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $3.1M |
| Total Interest Expense | RIAD4073 | $2.5M |
| Salaries and Employee Benefits | RIAD4135 | $2.3M |
| Total Noninterest Income | RIAD4079 | $1.9M |
| Other Noninterest Expense | RIAD4092 | $1.3M |
| Interest on Other Securities | RIAD4060 | $1.2M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.2M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $1.1M |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $1.0M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $1.0M |
| Other Noninterest Income | RIADB497 | $795K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $714K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $671K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $636K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $634K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $432K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $426K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $365K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $323K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $267K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $227K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $93K |
| Other Interest Income | RIAD4518 | $77K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $25K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $15K |
| Noninterest income: Income from insurance activities | RIADHT74 | $10K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $9K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 63 |
Schedule RC-B: Securities (19 items)
About Schedule RC-B · The Waggoner National Bank of Vernon securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $124.1M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $101.7M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $97.3M |
| Pledged Securities | RCON0416 | $60.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $59.0M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $17.4M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $17.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $17.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $14.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $9.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $8.2M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $8.1M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $4.5M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $4.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $4.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $3.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $2.7M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $500K |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $498K |
Schedule RC-C, Part I: Loans and Leases (32 items)
About Schedule RC-C, Part I · The Waggoner National Bank of Vernon loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $197.3M |
| Pledged Loans and Leases | RCONG378 | $149.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $76.9M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $41.3M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $39.5M |
| Real Estate Loans Secured by Farmland | RCON1420 | $36.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $31.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $29.0M |
| Commercial and Industrial Loans | RCON1766 | $20.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $17.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $15.7M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $15.7M |
| Loans to Depository Institutions | RCON1288 | $13.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $12.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $12.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $12.1M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $12.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $10.7M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $9.8M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $8.6M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $8.0M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $4.5M |
| Other Loans | RCONJ464 | $3.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $3.5M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $2.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $2.5M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $1.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $1.2M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $1.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $761K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $191K |
| Unearned Income on Loans | RCON2123 | $1K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $6.1M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $5.7M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $4.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $3.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $3.3M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $2.9M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $2.9M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $2.5M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $2.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $2.0M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $1.8M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $1.3M |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 165 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 132 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 41 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 39 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 36 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 25 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 23 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 20 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 17 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 15 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 11 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 11 |
Schedule RC-E: Deposit Liabilities (24 items)
About Schedule RC-E · The Waggoner National Bank of Vernon deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $156.7M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $148.1M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $144.0M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $128.8M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $77.3M |
| Total Demand Deposits (See Note Below) | RCON2210 | $50.5M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $35.7M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $27.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $25.6M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $21.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $20.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $14.4M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $14.4M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $12.7M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $11.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $10.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $8.0M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $6.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $5.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $4.7M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $4.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $1.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $684K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $624K |
Schedule RC-F: Other Assets (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $10.2M |
| Other Assets | RCON2168 | $7.5M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $7.3M |
| Accrued Interest Receivable | RCONB556 | $3.2M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $1.5M |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $1.5M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $1.1M |
| Other Expenses Accrued and Unpaid | RCON3646 | $350K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $173K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $149K |
Schedule RC-K: Quarterly Averages (18 items)
About Schedule RC-K · The Waggoner National Bank of Vernon quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $357.4M |
| Quarterly Average of Total Loans | RCON3360 | $197.5M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $105.0M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $103.6M |
| All Other Securities | RCONB560 | $102.6M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $93.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $42.1M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $31.8M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $19.3M |
| Mortgage-backed Securities | RCONB559 | $17.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $14.1M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $11.5M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $10.0M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $8.3M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $4.5M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $332K |
| Quarterly Average of Other Borrowed Money | RCON3355 | $71K |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $5K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · The Waggoner National Bank of Vernon derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $13.5M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $9.4M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $7.5M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $360K |
| Performance Standby Letters of Credit | RCON3821 | $350K |
| Other unused commitments: Loans to depository financial institutions | RCONPV10 | $200K |
Schedule RC-M: Memoranda (2 items)
About Schedule RC-M · The Waggoner National Bank of Vernon memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $629K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (11 items)
About Schedule RC-N · The Waggoner National Bank of Vernon past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.3M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty -Loans Secured by Other Nonfarm Nonresidential Properties :Nonaccrual | RCONK119 | $1.3M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $1.3M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $1.3M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $898K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $462K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $262K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $131K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $36K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $7K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $2K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · The Waggoner National Bank of Vernon other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $357.4M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $305.0M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $151.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $142.4M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $51.6M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $7.0M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $4.1M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 10,905 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 215 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 154 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 10 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · The Waggoner National Bank of Vernon regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $357.8M |
| Average total consolidated assets | RCOAKW03 | $357.4M |
| Total Assets | RCOA2170 | $353.7M |
| Common Equity Tier 1 Capital | RCOAP859 | $51.6M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $51.6M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $51.6M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $46.7M |
| Retained Earnings | RCOAKW00 | $40.4M |
| Unconditionally Cancellable Commitments | RCOAS540 | $17.1M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $14.2M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $13.8M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $11.1M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$4.8M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$4.4M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | -$413K |
| Less:other Deductions from Assets for Leverage Capital Purposes | RCOAB596 | -$413K |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $350K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1441 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0401 |
Schedule RC-T: Fiduciary and Related Services (35 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fiduciary Accounts - Managed Assets | RCONB894 | $273.7M |
| Personal Trust and Agency Accounts - Managed Assets | RCONB868 | $147.8M |
| Investment Management Agency Accounts - Managed Assets | RCONB886 | $104.7M |
| Custody and Safekeeping Accounts - Non-managed Assets | RCONB898 | $43.1M |
| Total Fiduciary Accounts - Non-managed Assets | RCONB895 | $21.7M |
| Employee Benefit-defined Benefit - Managed Assets | RCONB876 | $15.0M |
| Personal Trust and Agency Accounts - Non-managed | RCONB869 | $14.9M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Non-managed Asset | RCONJ260 | $7.6M |
| Fiduciary and Related Assets:investment Mgmt and Investment Advisory Agency Accounts -Non-managed Assets | RCONJ253 | $6.3M |
| Other Retirement Accounts - Managed Assets | RCONB880 | $3.9M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Managed Assets | RCONJ259 | $3.1M |
| Other Fiduciary Accounts - Managed Assets | RCONB890 | $2.2M |
| Income from Fiduciary Activities | RIAD4070 | $654K |
| Personal Trust and Agency Accounts | RIADB904 | $530K |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Non-managed Assets | RCONJ256 | $500K |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Managed Assets | RCONJ255 | $102K |
| Fiduciary and Related Services Income-foundation and Endowment Trust and Agency Accounts | RIADJ316 | $51K |
| Custody and Safekeeping Accounts | RIADB909 | $41K |
| Other Retirement Accounts | RIADB907 | $18K |
| Other Fiduciary and Related Services Income | RIADB910 | $10K |
| All Other Fiduciary Income | RIADA480 | $4K |
| Total Fiduciary Accounts - Number of Managed Accounts | RCONB896 | 203 |
| Investment Management Agency Accounts - Number of Managed Accounts | RCONB888 | 106 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCONB870 | 81 |
| Custody and Safekeeping Accounts - Number of Non-managed Accounts | RCONB899 | 35 |
| Total Fiduciary Accounts - Non-managed Accounts | RCONB897 | 19 |
| Fiduciary and Related Assets:investment Management and Investment Advisory Agency Accounts - Number of Non-managed Accounts | RCONJ254 | 12 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Non-managed Accounts | RCONJ262 | 8 |
| Other Retirement Accounts - Number of Managed Accounts | RCONB882 | 8 |
| Other Fiduciary Accounts - Number of Managed Accounts | RCONB892 | 6 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Managed Accounts | RCONJ261 | 5 |
| Personal Trust and Agency Accounts - Number of Non-managed Accounts | RCONB871 | 5 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Non-managed Accounts | RCONJ258 | 2 |
| Employee Benefit-defined Benefit - Number of Managed Accounts | RCONB878 | 1 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Managed Accounts | RCONJ257 | 1 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $46.7M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $44.6M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $44.6M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $1.7M |
| Other Comprehensive Income | RIADB511 | -$472K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (5 items)
About Schedule RI-B, Part I · The Waggoner National Bank of Vernon charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $58K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $58K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $34K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $31K |
| Recoveries on Automobile Loans | RIADK133 | $3K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · The Waggoner National Bank of Vernon changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $5.3M |
| Allowance for Loan and Lease Losses | RIAD3123 | $5.3M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $58K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $25K |
The Waggoner National Bank of Vernon call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the The Waggoner National Bank of Vernon call report?
The The Waggoner National Bank of Vernon call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does The Waggoner National Bank of Vernon file?
The Waggoner National Bank of Vernon files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the The Waggoner National Bank of Vernon call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: The Waggoner National Bank of Vernon has Federal Reserve RSSD ID 548267 and FDIC certificate number 5569. Either one finds its filings on the FFIEC Central Data Repository.
How often does The Waggoner National Bank of Vernon file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
The Waggoner National Bank of Vernon financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 5569) · FFIEC NIC profile (RSSD 548267)