Headquartered in Vernon, Alabama, The Bank of Vernon is a state-chartered bank with $445.4M in total assets and $373.6M in deposits as of Q2 2026. It operates 5 offices across 2 states. Its charter dates back to 1911.
Based on its Q2 2026 filing, The Bank of Vernon scores 85/100, which we describe as very strong. That is higher than 88% of 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 11th. Its strongest component is capital cushion (100/100; 16.60%), and its lowest is funding & liquidity (69/100; 88% loans-to-deposits, 18% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 4 points (89 → 85), mostly because the loan quality component weakened by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 86 |
| Q3 2024 | 86 |
| Q4 2024 | 84 |
| Q1 2025 | 83 |
| Q2 2025 | 89 |
| Q3 2025 | 91 |
| Q4 2025 | 89 |
| Q1 2026 | 93 |
| Q2 2026 | 85 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 18.51% |
| Q3 2024 | 18.41% |
| Q4 2024 | 17.81% |
| Q1 2025 | 17.92% |
| Q2 2025 | 17.97% |
| Q3 2025 | 17.77% |
| Q4 2025 | 17.23% |
| Q1 2026 | 17.09% |
| Q2 2026 | 16.60% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.70% |
| Q3 2024 | 0.67% |
| Q4 2024 | 0.78% |
| Q1 2025 | 0.77% |
| Q2 2025 | 0.10% |
| Q3 2025 | 0.02% |
| Q4 2025 | 0.10% |
| Q1 2026 | 0.12% |
| Q2 2026 | 0.47% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.47% |
| Q3 2024 | 1.39% |
| Q4 2024 | 1.31% |
| Q1 2025 | 1.22% |
| Q2 2025 | 1.36% |
| Q3 2025 | 1.54% |
| Q4 2025 | 1.37% |
| Q1 2026 | 1.86% |
| Q2 2026 | 1.27% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 85 | $445.4M | 16.60% | 0.47% | 1.27% | 87.8% |
| Q1 2026 | 93 | $427.7M | 17.09% | 0.12% | 1.86% | 90.2% |
| Q4 2025 | 89 | $414.6M | 17.23% | 0.10% | 1.37% | 91.6% |
| Q3 2025 | 91 | $401.3M | 17.77% | 0.02% | 1.54% | 90.9% |
| Q2 2025 | 89 | $388.8M | 17.97% | 0.10% | 1.36% | 85.4% |
| Q1 2025 | 83 | $378.7M | 17.92% | 0.77% | 1.22% | 80.6% |
| Q4 2024 | 84 | $363.6M | 17.81% | 0.78% | 1.31% | 77.8% |
| Q3 2024 | 86 | $360.4M | 18.41% | 0.67% | 1.39% | 76.7% |
| Q2 2024 | 86 | $339.4M | 18.51% | 0.70% | 1.47% | 78.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Jackson Bank, Inc.Bank Stevenson, AL | 93 out of 100, Very strong | $444.3M | 14.8% | 0.08% | vs |
| NobleBank & TrustBank Anniston, AL | 81 out of 100, Strong | $444.0M | 11.3% | 0.26% | vs |
| Cullman Savings BankBank Cullman, AL | 76 out of 100, Strong | $456.7M | 18.6% | 0.41% | vs |
| Robertson Banking CompanyBank Demopolis, AL | 83 out of 100, Strong | $462.7M | 11.3% | 0.13% | vs |
| State Bank & TrustBank Winfield, AL | 63 out of 100, Moderate | $413.0M | 9.0% | 0.51% | vs |
| Peoples Independent BankBank Boaz, AL | 75 out of 100, Strong | $485.7M | 9.4% | 0.30% | vs |
Deposit insurance
Is my money safe at The Bank of Vernon?
Yes. The Bank of Vernon is an FDIC-insured institution (FDIC certificate #51). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.2% of deposits ($67.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 16.60%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
5 locations
Branches
The Bank of Vernon lists 4 offices in 3 cities across 2 states. Most locations:
- Columbus, MS (2)
- Caledonia, MS (1)
- Vernon, AL (1)
Identity & history
Profile
- Legal name
- The Bank of Vernon
- Type
- State-chartered bank
- FDIC certificate #
- 51
- RSSD ID
- 382537
- Primary regulator
- FDIC
- Holding company
- First Vernon Bancshares Inc
- Established
- November 11, 1911
- Headquarters
- 44825 Highway 17, Vernon, AL 35592
- Website
- www.bankofvernon.bank
- Employees
- 63
Quick answers
The Bank of Vernon: common questions
Is The Bank of Vernon FDIC insured?
Yes. The Bank of Vernon is an FDIC-insured institution (FDIC certificate #51). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Bank of Vernon's TellerScore?
85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Bank of Vernon ever failed?
There is no failure record for FDIC certificate #51 in the FDIC failed bank list.
How many branches does The Bank of Vernon have?
5 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Vernon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National BankBank Hamilton, AL | 97 out of 100, Very strong | $372.7M | 19.0% | 0.25% | vs |
| First State Bank of the South, Inc.Bank Sulligent, AL | 89 out of 100, Very strong | $130.7M | 16.4% | 0.24% | vs |
| Tombigbee Federal Credit UnionCredit union Amory, MS | 87 out of 100, Very strong | $5.5M | 19.4% | 1.18% | vs |
| The Citizens Bank of WinfieldBank Winfield, AL | 83 out of 100, Strong | $301.3M | 17.5% | 0.26% | vs |
| West Alabama Bank & TrustBank Reform, AL | 77 out of 100, Strong | $929.0M | 12.2% | 0.44% | vs |
| Bank of CommerceBank Greenwood, MS | 72 out of 100, Strong | $1.1B | 12.9% | 0.88% | vs |