The Bank of Vernon
Vernon, AL
IDRSSD: 382537
Total Assets
$414.57M
Latest filing
Total Deposits
$345.11M
Latest filing
Net Interest Margin
4.98%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
062203874VERNON, AL
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Bank of Vernon
44825 Highway 17
Vernon, AL 35592
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/11/1911FDIC Certificate 32
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Bank of Vernon (Main) | 44825 Highway 17 | Vernon, AL |
| WESTSIDE BRANCH | 9435 Highway 18 | Vernon, AL |
| CALEDONIA BRANCH | 9715 Wolfe Rd | Caledonia, MS |
| COLUMBUS BRANCH | 3561 Bluecutt Rd | Columbus, MS |
| EAST COLUMBUS BRANCH | 420 Alabama St | Columbus, MS |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 11/11/1911 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35592 |
| State and County Number | 01075 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 60 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.bankofvernon.bank |
| Data Updated | 01/30/2026 |
| CERT | 51 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $414.57M |
| Total Deposits | $345.11M |
| Total Liabilities | $346.96M |
| Total Equity Capital | $67.61M |
| Net Income | $909.00k |
| Net Loans and Leases | $316.10M |
| Assets Per Employee ($Millions) | $7.15M |
| Bank Premises and Fixed Assets | $7.40M |
| Cash and Balances due from Depository Institutions | $28.61M |
| Deposits Held in Domestic Offices | $345.11M |
Key Performance Ratios
| Return on Assets (ROA) | 0.89% |
| Return on Equity (ROE) | 5.41% |
| Net Interest Margin | 4.98% |
| Efficiency Ratio | 63.13% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.94% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 16.309% |
| Earning Assets to total Assets | 95.94% |
Income and Expense
| Total Interest Income | $7.03M |
| Total Noninterest Income | $506.00k |
| Total Interest Expense | $2.16M |
| Total Noninterest Expense | $3.39M |
| Net Interest Income | $4.86M |
| Pre-tax Net Operating Income | $1.02M |
| Provision for Credit Losses | $963.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $700.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $588.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.85M |
| Total Liabilities and Capital | $414.57M |
Securities
| Securities | $56.56M |
| Available-for-sale debt securities | $56.56M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Bank of Vernon?
$414.57M as of the latest filing.
How much are The Bank of Vernon's total deposits?
$345.11M in total deposits.
Where is The Bank of Vernon located?
Vernon, AL.
What is the Net Interest Margin?
4.98%.
How many domestic offices does it operate?
5.
When was it established?
11/11/1911.
What is the Return on Assets (ROA)?
0.89%.
How much are total loans and leases?
$316.10M (latest filing).
What is the total interest income (latest filing)?
$7.03M.