Side-by-side · Q2 2026 data
The Waggoner National Bank of Vernon vs The National Bank of Andrews
Metric by metric
| Measure | The Waggoner National Bank of Vernon | The National Bank of Andrews |
|---|---|---|
| TellerScore | 88 (stronger) | 49 |
| Capital cushion | 94 (stronger) | 51 |
| Loan quality | 78 (stronger) | 0 |
| Earnings | 100 | 100 |
| Funding & liquidity | 72 (stronger) | 52 |
| Problem-loan coverage | 95 (stronger) | 58 |
| Peer percentile | 92nd | 6th |
| Total assets | $353.7M | $340.5M |
| Deposits / shares | $304.8M | $298.2M |
| Capital ratio | 14.41% (stronger) | 10.11% |
| Problem loans | 0.66% (stronger) | 3.05% |
| Net charge-offs | 0.03% (stronger) | 0.27% |
| Return on assets | 2.47% | 2.71% (stronger) |
| Loans ÷ deposits | 63.0% (stronger) | 73.4% |
| Uninsured deposits | 37.6% (stronger) | 46.5% |
| Offices | 2 | 1 |
| 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 49). On the 7 directional measures above (where higher or lower is clearly better), The Waggoner National Bank of Vernon leads on 6 and The National Bank of Andrews on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.