TellerScore

Headquartered in Vernon, Texas, The Waggoner National Bank of Vernon is a national bank with $353.7M in total assets and $304.8M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1899.

The Waggoner National Bank of Vernon has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 92% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 27th. Earnings contributes the most (100/100, 2.47%); funding & liquidity contributes the least (72/100, 63% loans-to-deposits, 38% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion94/100
Tier 1 leverage ratio: 14.41%
Loan quality78/100
Noncurrent loans ÷ total loans: 0.66%
Earnings100/100
Return on assets (annualized): 2.47%
Funding & liquidity72/100
Loans ÷ deposits and uninsured-deposit share: 63.0% · 37.6% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.50%

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 rose 13 points (75 → 88), mostly because the loan quality component improved by 58 points.

TellerScore
758288Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202483
Q4 202483
Q1 202579
Q2 202575
Q3 202584
Q4 202585
Q1 202685
Q2 202688
Tier 1 leverage ratio
5.00%10.24%15.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.14%
Q3 202415.47%
Q4 202414.81%
Q1 202514.51%
Q2 202514.99%
Q3 202515.48%
Q4 202514.18%
Q1 202614.14%
Q2 202614.41%
Noncurrent loans
0.66%1.52%2.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.41%
Q3 20241.39%
Q4 20241.40%
Q1 20251.50%
Q2 20252.39%
Q3 20251.36%
Q4 20250.93%
Q1 20260.90%
Q2 20260.66%
Return on assets
1.79%2.13%2.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.90%
Q3 20242.02%
Q4 20242.06%
Q1 20251.79%
Q2 20251.97%
Q3 20252.05%
Q4 20252.35%
Q1 20262.26%
Q2 20262.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$353.7M14.41%0.66%2.47%63.0%
Q1 202685$357.2M14.14%0.90%2.26%57.7%
Q4 202585$343.2M14.18%0.93%2.35%59.1%
Q3 202584$338.5M15.48%1.36%2.05%57.4%
Q2 202575$329.0M14.99%2.39%1.97%55.3%
Q1 202579$336.8M14.51%1.50%1.79%54.3%
Q4 202483$323.5M14.81%1.40%2.06%61.7%
Q3 202483$323.3M15.47%1.39%2.02%65.2%
Q2 202482$325.3M15.14%1.41%1.90%64.1%

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).

Capital ratio14.41%
84th
Total risk-based capital0.00%
24th
Problem loans0.66%
39th
Net charge-offs0.03%
36th
Return on assets2.47%
95th
Net interest margin3.97%
52nd
Efficiency ratio46.9%
88th
Loans to deposits63.0%
79th
Uninsured deposits37.6%
13th
Loan-loss reserves2.67%
98th
Texas ratio2.5%
52nd

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
First State Bank of TexasBank Orange, TX39 out of 100, Low$353.6M9.2%2.85%vs
First National Bank of GiddingsBank Giddings, TX57 out of 100, Moderate$356.2M11.2%2.07%vs
First National Bank in Port LavacaBank Port Lavaca, TX54 out of 100, Below average$361.3M13.0%2.39%vs
Ozona BankBank Ozona, TX79 out of 100, Strong$346.1M12.3%0.00%vs
First National Bank of HerefordBank Hereford, TX84 out of 100, Strong$344.6M12.3%0.05%vs
The National Bank of AndrewsBank Andrews, TX49 out of 100, Below average$340.5M10.1%3.05%vs

Deposit insurance

Is my money safe at The Waggoner National Bank of Vernon?

Yes. The Waggoner National Bank of Vernon is an FDIC-insured institution (FDIC certificate #5569). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 37.6% of deposits ($114.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.41%, 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%).

Check how much of your own balance is covered

2 locations

Branches

The Waggoner National Bank of Vernon lists 2 offices in 2 cities. Most locations:

  • Electra, TX (1)
  • Vernon, TX (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Waggoner National Bank of Vernon reported 53 home-loan applications under HMDA (LEI 2549004NC9AQ00THAD39): 48 originated ($10,840,000 total), 1 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The Waggoner National Bank of Vernon
Type
National bank
FDIC certificate #
5569
RSSD ID
548267
Primary regulator
OCC
Holding company
Waggoner Natl Bancshares Inc
Established
July 3, 1899
Headquarters
1818 Texas St, Vernon, TX 76384
Employees
63

Quick answers

The Waggoner National Bank of Vernon: common questions

Is The Waggoner National Bank of Vernon FDIC insured?

Yes. The Waggoner National Bank of Vernon is an FDIC-insured institution (FDIC certificate #5569). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Waggoner National Bank of Vernon's TellerScore?

88 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 Waggoner National Bank of Vernon ever failed?

There is no failure record for FDIC certificate #5569 in the FDIC failed bank list.

How many branches does The Waggoner National Bank of Vernon have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Vernon

InstitutionScoreAssetsCapitalProblem loansCompare
Frazer BankBank Altus, OK77 out of 100, Strong$354.3M11.2%0.00%vs
Bank of the WestBank Grapevine, TX74 out of 100, Strong$829.8M9.7%0.00%vs
BancFirstBank Oklahoma City, OK71 out of 100, Strong$12.8B10.6%1.19%vs
Pilgrim BankBank Pittsburg, TX68 out of 100, Moderate$714.6M10.2%0.15%vs
Herring BankBank Amarillo, TX66 out of 100, Moderate$540.5M12.2%0.55%vs
American National Bank & TrustBank Wichita Falls, TX61 out of 100, Moderate$2.5B10.2%0.88%vs