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 The Waggoner National Bank of Vernon
The Waggoner National Bank of Vernon
| RSSD ID 548267 | CERTIFICATE 5569 | ABA NUMBER 111302833 |
| 1818 Texas St |
Quarter Ended : |
2025-12-31 |
| Vernon, Texas, 76384 |
Updated : |
2026-01-09 |
| www.wnbvernon.com |
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| Institution Profile |
| Year Opened : |
1899 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
Yes |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
2 |
Number of Employees : |
62 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 343,198 |
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Total Interest Income | 16,631 |
| Total Liabilities | 298,602 |
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Total NonInterest Income | 3,562 |
| Total Bank Equity Capital | 44,596 |
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Total Interest Expense | 5,506 |
| Total Deposits | 296,586 |
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Total NonInterest Expense | 7,540 |
| Net Loans & Leases | 175,216 |
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Net Income | 7,867 |
| Loan Loss Allowance | 5,287 |
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Net Charge Offs | (694) |
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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 | 177,405 |
| Total assets for the leverage ratio | 345,363 |
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Loans secured by real estate: | 117,645 |
| Tier 1 Leverage Ratio | 14.18 |
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Commercial and industrial loans | 18,676 |
| Off Balance Sheet Exposures (%) | 5.37 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 11,367 |
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:· The Waggoner National Bank of Vernon
