Side-by-side · Q2 2026 data
Ozona Bank vs The Waggoner National Bank of Vernon
Metric by metric
| Measure | Ozona Bank | The Waggoner National Bank of Vernon |
|---|---|---|
| TellerScore | 79 | 88 (stronger) |
| Capital cushion | 73 | 94 (stronger) |
| Loan quality | 100 (stronger) | 78 |
| Earnings | 47 | 100 (stronger) |
| Funding & liquidity | 83 (stronger) | 72 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 75th | 92nd |
| Total assets | $346.1M | $353.7M |
| Deposits / shares | $282.8M | $304.8M |
| Capital ratio | 12.31% | 14.41% (stronger) |
| Problem loans | 0.00% (stronger) | 0.66% |
| Net charge-offs | 0.03% | 0.03% (stronger) |
| Return on assets | 0.68% | 2.47% (stronger) |
| Loans ÷ deposits | 62.4% (stronger) | 63.0% |
| Uninsured deposits | 28.0% (stronger) | 37.6% |
| Offices | 4 | 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 79). On the 7 directional measures above (where higher or lower is clearly better), Ozona Bank leads on 3 and The Waggoner National Bank of Vernon on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.