BlastPoint's Banking Scorecard
The Waggoner National Bank of Vernon
Micro
Specialty: Commercial
TX
FDIC cert 5569
Designations: ✓ Community bank
Vernon, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The Waggoner National Bank of Vernon shows strong momentum with 2 strengths and 6.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.27% above tier
- + Non-Interest Income / Assets 0.48% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$343.2M
+6.1% YoY
+1.4% QoQ
|
+$125.7M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$175.2M
+0.9% YoY
+5.2% QoQ
|
+$36.0M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
68% |
| Total Deposits ? |
$296.6M
+5.3% YoY
+2.3% QoQ
|
+$112.9M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
2.35%
+14.4% YoY
+14.8% QoQ
|
+1.27% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
3.75%
+7.3% YoY
+2.3% QoQ
|
-0.10% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
47% |
| Efficiency Ratio ? |
51.34%
+0.7% YoY
-2.4% QoQ
|
-16.39% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
0.96%
-33.8% YoY
-31.7% QoQ
|
+0.32% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
59.08%
-4.2% YoY
+2.9% QoQ
|
-15.45% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
15.74%
-5.0% YoY
-1.9% QoQ
|
-6.66% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.49%
-37.1% YoY
-29.1% QoQ
|
+0.04% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
38% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.04%
+0.9% YoY
+28.6% QoQ
|
+0.48% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 5%
in Micro
Why this stands out
Current:
2.35%
(Tier avg: 1.08%, National avg: 1.12%)
Non-Interest Income / Assets
metric
Top 7%
in Micro
Why this stands out
Current:
1.04%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Return on Assets
Current: 2.35% · Tier avg: 1.08%
93
93th pctile
Non-Interest Income / Assets
Current: 1.04% · Tier avg: 0.56%
88
88th pctile
Efficiency Ratio
Current: 51.34% · Tier avg: 67.73%
81
81th pctile
Total Deposits
Current: $296.6M · Tier avg: $183.7M
79
79th pctile
Total Assets
Current: $343.2M · Tier avg: $217.5M
68
68th pctile
Total Loans
Current: $175.2M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Net Interest Margin
Current: 3.75% · Tier avg: 3.85%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.45%
30
30th pctile
Delinquency Rate
Current: 0.96% · Tier avg: 0.64%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.74% · Tier avg: 22.39%
23
23th pctile
Loan-to-Deposit Ratio
Current: 59.08% · Tier avg: 74.53%
Top Weaknesses
23
23th pctile
Loan-to-Deposit Ratio
Current: 59.08% · Tier avg: 74.53%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.74% · Tier avg: 22.39%
30
30th pctile
Delinquency Rate
Current: 0.96% · Tier avg: 0.64%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.45%
47
47th pctile
Net Interest Margin
Current: 3.75% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Total Loans
Current: $175.2M · Tier avg: $139.2M
79
79th pctile
Total Assets
Current: $343.2M · Tier avg: $217.5M
81
81th pctile
Total Deposits
Current: $296.6M · Tier avg: $183.7M
88
88th pctile
Efficiency Ratio
Current: 51.34% · Tier avg: 67.73%
93
93th pctile
Non-Interest Income / Assets
Current: 1.04% · Tier avg: 0.56%
95
95th pctile
Return on Assets
Current: 2.35% · Tier avg: 1.08%