Total Assets
$343M
Total balance-sheet footings
FDIC Cert #5569 · Vernon, Texas · Est. 1899
The Waggoner National Bank of Vernon - FDIC Bank Health Profile
A community-scale look at The Waggoner National Bank of Vernon's own numbers, pulled straight from its quarterly FDIC Call Report.
- $343M
- Total assets
- A
- Health grade · Excellent
- 2.35%
- Return on assets
- 14.2%
- Tier 1 capital
Data updated July 2026
The verdict
The Waggoner National Bank of Vernon earns a PlainBankData health grade of A (92/100), with well-capitalized at 14.18% Tier 1, profitable at 2.35% ROA, efficient (51% cost ratio).
- #2,308
- largest of 4,313 FDIC banks by assets
- 46th
- percentile by asset size, nationally
- 14.18%
- Tier 1 ratio - above the 10% well-capitalized line
- 95th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How The Waggoner National 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 Waggoner National Bank of Vernon's composite health score
Tier 1 Capital Ratio (14.18%) 35/40
Return on Assets (ROA) (2.35%) 25/25
Texas Ratio (3.36%) 20/20
Efficiency Ratio (51.34%) 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
$297M
Customer-funded liabilities
Net Loans
$175M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Waggoner National Bank of Vernon ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Waggoner National Bank of Vernon's score of 92/100 falls in the highlighted band.
The Waggoner National 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 Waggoner National Bank of Vernon's $343M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.18% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.18%
Texas Ratio
3.36%
Equity Capital
$45M
Profitability metrics
Return on Assets (ROA)
95th percentile nationally
2.35%
Return on Equity (ROE)
18.53%
Efficiency Ratio
51.34%
What the numbers say about The Waggoner National Bank of Vernon
The Waggoner National Bank of Vernon is an FDIC-insured institution (Certificate #5569) headquartered in Vernon, Texas, established in 1899. It holds $343M in total assets - 2,308th of 4,313 FDIC-insured banks, $297M in customer deposits, and $175M in net loans. On safety, its Tier 1 capital ratio of 14.18% is above the 10% well-capitalized threshold, and its Texas Ratio of 3.36% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (92/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Texas, The Waggoner National Bank of Vernon ranks 199th of 350 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$17M
Interest Income
$4M
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Waggoner National Bank of Vernon reports a Texas Ratio of 3.36% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.36% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Waggoner National Bank of Vernon (FDIC Cert #5569) - 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 Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is The Waggoner National Bank of Vernon's health grade?▼
The Waggoner National 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 Waggoner National Bank of Vernon?▼
The Waggoner National Bank of Vernon holds $343M in total assets and $297M in deposits, ranking 2,308th of 4,313 FDIC-insured banks by asset size. It is headquartered in Vernon, Texas.
Is my money safe at The Waggoner National Bank of Vernon?▼
Yes, deposits at The Waggoner National Bank of Vernon (Certificate #5569) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Waggoner National Bank of Vernon's Tier 1 Capital Ratio?▼
The Waggoner National Bank of Vernon has a Tier 1 Capital Ratio of 14.18%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Waggoner National Bank of Vernon?▼
The Waggoner National Bank of Vernon has a Texas Ratio of 3.36%. A ratio below 50% is generally considered 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 Waggoner National Bank of Vernon?▼
The Waggoner National Bank of Vernon has an Efficiency Ratio of 51.34%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Waggoner National Bank of Vernon's profile as a depositor or analyst.
- The Waggoner National Bank of Vernon's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Waggoner National Bank of Vernon against other Texas banks before moving funds. Texas 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.