Side-by-side · Q2 2026 data
Frazer Bank vs The Waggoner National Bank of Vernon
Metric by metric
| Measure | Frazer Bank | The Waggoner National Bank of Vernon |
|---|---|---|
| TellerScore | 77 | 88 (stronger) |
| Capital cushion | 62 | 94 (stronger) |
| Loan quality | 100 (stronger) | 78 |
| Earnings | 41 | 100 (stronger) |
| Funding & liquidity | 99 (stronger) | 72 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 68th | 92nd |
| Total assets | $354.3M | $353.7M |
| Deposits / shares | $317.1M | $304.8M |
| Capital ratio | 11.21% | 14.41% (stronger) |
| Problem loans | 0.00% (stronger) | 0.66% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 0.51% | 2.47% (stronger) |
| Loans ÷ deposits | 60.9% (stronger) | 63.0% |
| Uninsured deposits | 9.0% (stronger) | 37.6% |
| Offices | 6 | 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 77). On the 7 directional measures above (where higher or lower is clearly better), Frazer Bank leads on 4 and The Waggoner National Bank of Vernon on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.