The Waggoner National Bank of Vernon: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q3 2026 was in Cash and balances due from depository institutions: 53.5% lower than in Q2 2026, at $8.2M. The Waggoner National Bank of Vernon ranks 190th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 69.75% (Q3 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Waggoner National Bank of Vernon sits 11.09 points lower, at 69.75% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $115.1M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 69.75% |
| Net loans and leases to deposits | 67.99% |
| Loans and leases to core deposits | 73.25% |
| Core deposits to total deposits | 95.22% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 67.54% | 91.03% | $0 | $0 |
| Q1 2024 | 65.05% | 94.99% | $0 | $0 |
| Q2 2024 | 66.00% | 95.56% | $0 | $0 |
| Q3 2024 | 67.09% | 95.56% | $0 | $0 |
| Q4 2024 | 63.55% | 95.33% | $0 | $0 |
| Q1 2025 | 56.08% | 95.48% | $0 | $0 |
| Q2 2025 | 57.18% | 95.05% | $0 | $0 |
| Q3 2025 | 59.25% | 95.84% | $0 | $0 |
| Q4 2025 | 60.86% | 95.55% | $0 | $0 |
| Q1 2026 | 59.36% | 95.66% | $0 | $0 |
| Q2 2026 | 64.72% | 95.26% | $0 | $0 |
| Q3 2026 | 69.75% | 95.22% | $0 | $0 |
The Waggoner National Bank of Vernon liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Waggoner National Bank of Vernon, freeSource: Call Report Schedules RC and RC-M, 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 Waggoner National Bank of Vernon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5569) · FFIEC NIC profile (RSSD 548267)