Total Assets
$415M
Total balance-sheet footings
FDIC Cert #51 · Vernon, Alabama · Est. 1911
The Bank of Vernon - FDIC Bank Health Profile
A community-scale look at The Bank of Vernon's own numbers, pulled straight from its quarterly FDIC Call Report.
- $415M
- Total assets
- A
- Health grade · Excellent
- 1.37%
- Return on assets
- 17.2%
- Tier 1 capital
Data updated July 2026
The verdict
The Bank of Vernon earns a PlainBankData health grade of A (92/100), with well-capitalized at 17.23% Tier 1, profitable at 1.37% ROA, efficient (51% cost ratio).
- #2,037
- largest of 4,313 FDIC banks by assets
- 53rd
- percentile by asset size, nationally
- 17.23%
- Tier 1 ratio - above the 10% well-capitalized line
- 68th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The Bank of Vernon's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Bank of Vernon's composite health score
Tier 1 Capital Ratio (17.23%) 40/40
Return on Assets (ROA) (1.37%) 20/25
Texas Ratio (0.43%) 20/20
Efficiency Ratio (51.31%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$345M
Customer-funded liabilities
Net Loans
$316M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Bank of Vernon ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Bank of Vernon's score of 92/100 falls in the highlighted band.
The Bank of Vernon's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Bank of Vernon's $415M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
17.23% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
17.23%
Texas Ratio
0.43%
Equity Capital
$68M
Profitability metrics
Return on Assets (ROA)
68th percentile nationally
1.37%
Return on Equity (ROE)
8.32%
Efficiency Ratio
51.31%
What the numbers say about The Bank of Vernon
The Bank of Vernon is an FDIC-insured institution (Certificate #51) headquartered in Vernon, Alabama, established in 1911. It holds $415M in total assets - 2,037th of 4,313 FDIC-insured banks, $345M in customer deposits, and $316M in net loans. Capital-wise, the Tier 1 ratio sits at 17.23%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.43%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (92 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Bank of Vernon sits 35th of 94 banks headquartered in Alabama by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$26M
Interest Income
$2M
Non-Interest Income
$10M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Bank of Vernon reports a Texas Ratio of 0.43% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.43% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Alabama by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Bank of Vernon (FDIC Cert #51) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Alabama
All Alabama banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Regions BankBirmingham | $157.4B | A | 1.43% |
| ServisFirst BankBirmingham | $17.7B | A | 1.58% |
| River Bank & TrustPrattville | $3.8B | A | 1.18% |
| Bank IndependentSheffield | $3.0B | B | 1.01% |
| Bryant BankTuscaloosa | $2.9B | A | 1.69% |
| CB&S Bank, Inc.Russellville | $2.9B | C | 0.85% |
| Oakworth Capital BankBirmingham | $2.0B | B | 1.17% |
| Troy Bank & Trust CompanyTroy | $1.6B | A | 1.34% |
Frequently asked questions
What is The Bank of Vernon's health grade?▼
The Bank of Vernon receives a health grade of A (92/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Bank of Vernon?▼
The Bank of Vernon holds $415M in total assets and $345M in deposits, ranking 2,037th of 4,313 FDIC-insured banks by asset size. It is headquartered in Vernon, Alabama.
Is my money safe at The Bank of Vernon?▼
Yes, deposits at The Bank of Vernon (Certificate #51) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Bank of Vernon's Tier 1 Capital Ratio?▼
The Bank of Vernon has a Tier 1 Capital Ratio of 17.23%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Bank of Vernon?▼
The Bank of Vernon has a Texas Ratio of 0.43%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Bank of Vernon?▼
The Bank of Vernon has an Efficiency Ratio of 51.31%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Bank of Vernon's profile as a depositor or analyst.
- The Bank of Vernon's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Bank of Vernon against other Alabama banks before moving funds. Alabama banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.