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 The Bank of Vernon
The Bank of Vernon
| RSSD ID 382537 | CERTIFICATE 51 | ABA NUMBER 62203874 |
| 44825 Highway 17 |
Quarter Ended : |
2025-12-31 |
| Vernon, Alabama, 35592 |
Updated : |
2026-01-30 |
| www.bankofvernon.bank |
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| Institution Profile |
| Year Opened : |
1911 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
5 |
Number of Employees : |
58 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 414,568 |
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Total Interest Income | 26,098 |
| Total Liabilities | 346,956 |
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Total NonInterest Income | 1,893 |
| Total Bank Equity Capital | 67,612 |
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Total Interest Expense | 8,442 |
| Total Deposits | 345,108 |
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Total NonInterest Expense | 10,031 |
| Net Loans & Leases | 316,102 |
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Net Income | 5,337 |
| Loan Loss Allowance | 3,669 |
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Net Charge Offs | 934 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 311,966 |
| Total assets for the leverage ratio | 408,066 |
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Loans secured by real estate: | 192,754 |
| Tier 1 Leverage Ratio | 17.23 |
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Commercial and industrial loans | 99,801 |
| Off Balance Sheet Exposures (%) | 7.41 |
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Loans to individuals - Credit Cards | 1,690 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 10,151 |
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:· The Bank of Vernon
