The Waggoner National Bank of Vernon: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Waggoner National Bank of Vernon of Vernon, TX against its peer group of 2672 similarly-sized US banks as of Q3 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.69% | 1.25% | +1.44% | 97th top |
| ROAE | 21.14% | 13.24% | +7.90% | 90th top |
| Net Interest Margin | 4.24% | 3.95% | +0.29% | 61st above |
| Efficiency Ratio | 42.71% | 61.22% | -18.51% | 89th top |
| PPNR / Avg Assets | 2.70% | — | — | 93rd top |
| Yield on Earning Assets | 5.76% | 5.68% | +0.08% | 69th above |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.67% | 1.88% | -0.21% | 46th below |
| Net Interest Spread | 3.77% | — | — | 69th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.61% | 0.94% | -0.33% | 34th below |
| NPA / Total Assets | 0.37% | — | — | 33rd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.10% | 0.16% | -0.06% | 13th bottom |
| ACL / Total Loans | 2.52% | — | — | 95th top |
| ACL / NPLs (Coverage) | 412.92% | — | — | 60th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 2.62% | 7.40% | -4.78% | 44th below |
| Provision / NCO | 0.00% | — | — | 10th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.18% | 11.73% | +3.45% | 79th top |
| Equity / Assets | 12.63% | 10.96% | +1.67% | 67th above |
| TCE / Tangible Assets | 12.63% | — | — | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.75% | 80.60% | -10.85% | 57th above |
| Core Deposit Ratio | 95.22% | 86.92% | +8.30% | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.11% | — | — | 33rd below |
| Loan Growth (Y/Y) | 20.53% | — | — | 92nd top |
| Deposit Growth (Y/Y) | 2.39% | — | — | 34th below |
See The Waggoner National Bank of Vernon's peers by name
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Unlock The Waggoner National Bank of Vernon, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Waggoner National Bank of Vernon profile, how to read a UBPR, or how this data updates.