Side-by-side · Q2 2026 data
Herring Bank vs The Waggoner National Bank of Vernon
Metric by metric
| Measure | Herring Bank | The Waggoner National Bank of Vernon |
|---|---|---|
| TellerScore | 66 | 88 (stronger) |
| Capital cushion | 72 | 94 (stronger) |
| Loan quality | 82 (stronger) | 78 |
| Earnings | 26 | 100 (stronger) |
| Funding & liquidity | 67 | 72 (stronger) |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 31st | 92nd |
| Total assets | $540.5M | $353.7M |
| Deposits / shares | $477.0M | $304.8M |
| Capital ratio | 12.20% | 14.41% (stronger) |
| Problem loans | 0.55% (stronger) | 0.66% |
| Net charge-offs | 0.32% | 0.03% (stronger) |
| Return on assets | 0.15% | 2.47% (stronger) |
| Loans ÷ deposits | 76.7% | 63.0% (stronger) |
| Uninsured deposits | 30.5% (stronger) | 37.6% |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.0% | 2.0% |
The Waggoner National Bank of Vernon has the higher TellerScore (88 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Herring Bank leads on 2 and The Waggoner National Bank of Vernon on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Vernon, TX