The Waggoner National Bank of Vernon
Vernon, TX
IDRSSD: 548267
Total Assets
$338.55M
Latest filing
Total Deposits
$289.94M
Latest filing
Net Interest Margin
3.72%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The Waggoner National Bank of Vernon
1818 Texas St
Vernon, TX 76384
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/03/1899FDIC Certificate 3789
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Waggoner National Bank of Vernon (Main) | 1818 Texas St | Vernon, TX |
| ELECTRA BRANCH | 401 W Front Ave | Electra, TX |
Showing 1 of 1
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, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 07/03/1899 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76384 |
| State and County Number | 48487 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Vernon, TX |
Operational Info
| Number of Employees | 62 |
| Domestic Offices | 2 |
| 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.wnbvernon.com |
| Data Updated | 11/14/2025 |
| CERT | 5569 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $338.55M |
| Total Deposits | $289.94M |
| Total Liabilities | $292.25M |
| Total Equity Capital | $46.30M |
| Net Income | $1.86M |
| Net Loans and Leases | $166.50M |
| Assets Per Employee ($Millions) | $5.46M |
| Bank Premises and Fixed Assets | $2.17M |
| Cash and Balances due from Depository Institutions | $20.91M |
| Deposits Held in Domestic Offices | $289.94M |
Key Performance Ratios
| Return on Assets (ROA) | 2.23% |
| Return on Equity (ROE) | 16.99% |
| Net Interest Margin | 3.72% |
| Efficiency Ratio | 50.13% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.676% |
| Earning Assets to total Assets | 90.64% |
Income and Expense
| Total Interest Income | $4.15M |
| Total Noninterest Income | $954.00k |
| Total Interest Expense | $1.34M |
| Total Noninterest Expense | $1.89M |
| Net Interest Income | $2.81M |
| Pre-tax Net Operating Income | $1.86M |
| Provision for Credit Losses | $18.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.31M |
| Total Liabilities and Capital | $338.55M |
Securities
| Securities | $127.29M |
| Available-for-sale debt securities | $127.29M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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 Waggoner National Bank of Vernon?
$338.55M as of the latest filing.
How much are The Waggoner National Bank of Vernon's total deposits?
$289.94M in total deposits.
Where is The Waggoner National Bank of Vernon located?
Vernon, TX.
What is the Net Interest Margin?
3.72%.
How many domestic offices does it operate?
2.
When was it established?
07/03/1899.
What is the Return on Assets (ROA)?
2.23%.
How much are total loans and leases?
$166.50M (latest filing).
What is the total interest income (latest filing)?
$4.15M.