Side-by-side · Q2 2026 data
First National Bank of Giddings vs The Waggoner National Bank of Vernon
Metric by metric
| Measure | First National Bank of Giddings | The Waggoner National Bank of Vernon |
|---|---|---|
| TellerScore | 57 | 88 (stronger) |
| Capital cushion | 62 | 94 (stronger) |
| Loan quality | 31 | 78 (stronger) |
| Earnings | 73 | 100 (stronger) |
| Funding & liquidity | 58 | 72 (stronger) |
| Problem-loan coverage | 72 | 95 (stronger) |
| Peer percentile | 14th | 92nd |
| Total assets | $356.2M | $353.7M |
| Deposits / shares | $315.1M | $304.8M |
| Capital ratio | 11.18% | 14.41% (stronger) |
| Problem loans | 2.07% | 0.66% (stronger) |
| Net charge-offs | 0.03% | 0.03% (stronger) |
| Return on assets | 1.32% | 2.47% (stronger) |
| Loans ÷ deposits | 79.9% | 63.0% (stronger) |
| Uninsured deposits | 35.3% (stronger) | 37.6% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.0% |
The Waggoner National Bank of Vernon has the higher TellerScore (88 vs 57). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Giddings 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.