Side-by-side · Q2 2026 data
The Waggoner National Bank of Vernon vs First National Bank of Hereford
Metric by metric
| Measure | The Waggoner National Bank of Vernon | First National Bank of Hereford |
|---|---|---|
| TellerScore | 88 (stronger) | 84 |
| Capital cushion | 94 (stronger) | 73 |
| Loan quality | 78 | 98 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 72 (stronger) | 52 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 92nd | 86th |
| Total assets | $353.7M | $344.6M |
| Deposits / shares | $304.8M | $294.4M |
| Capital ratio | 14.41% (stronger) | 12.32% |
| Problem loans | 0.66% | 0.05% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 2.47% (stronger) | 2.20% |
| Loans ÷ deposits | 63.0% (stronger) | 99.8% |
| Uninsured deposits | 37.6% | 22.8% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.0% | 18.6% |
The Waggoner National Bank of Vernon has the higher TellerScore (88 vs 84). On the 7 directional measures above (where higher or lower is clearly better), The Waggoner National Bank of Vernon leads on 4 and First National Bank of Hereford on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.