Side-by-side · Q2 2026 data
First Bank vs The Waggoner National Bank of Vernon
Metric by metric
| Measure | First Bank | The Waggoner National Bank of Vernon |
|---|---|---|
| TellerScore | 81 | 88 (stronger) |
| Capital cushion | 89 | 94 (stronger) |
| Loan quality | 73 | 78 (stronger) |
| Earnings | 96 | 100 (stronger) |
| Funding & liquidity | 52 | 72 (stronger) |
| Problem-loan coverage | 88 | 95 (stronger) |
| Peer percentile | 80th | 92nd |
| Total assets | $703.6M | $353.7M |
| Deposits / shares | $603.4M | $304.8M |
| Capital ratio | 13.87% | 14.41% (stronger) |
| Problem loans | 0.80% | 0.66% (stronger) |
| Net charge-offs | 0.05% | 0.03% (stronger) |
| Return on assets | 1.89% | 2.47% (stronger) |
| Loans ÷ deposits | 94.5% | 63.0% (stronger) |
| Uninsured deposits | 27.3% (stronger) | 37.6% |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.0% | 2.0% |
The Waggoner National Bank of Vernon has the higher TellerScore (88 vs 81). On the 7 directional measures above (where higher or lower is clearly better), First Bank leads on 1 and The Waggoner National Bank of Vernon on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.