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Overview / Commentary
1818 Texas Street
Vernon, TX 76384

Waggoner Bank is headquartered in Vernon and is the 200th largest bank in the state of Texas. It is also the 2,383rd largest bank in the nation. It was established in 1899 and as of December of 2016, it had grown to 62 employees at 2 locations. Waggoner Bank has an A+ health rating.


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Health Grade Components

FDIC Certificate #5569
Year Established1899
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD2.9%
Return on Equity - YTD21.71%
Annual Interest Income$11.4MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$272.1MM$278.3MM
LoansQ4 2016vs Q4 2015$166.8MM$156.3MM
DepositsQ4 2016vs Q4 2015$235.6MM$227.9MM
Equity CapitalQ4 2016vs Q4 2015$34.2MM$36.2MM
Loan Loss AllowanceQ4 2016vs Q4 2015$4.9MM$4.5MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$119.00K$441.00K
Real Estate OwnedQ4 2016vs Q4 2015$107.00K$1.2MM
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Waggoner Bank Checking Account Rates

1.15%*-$25kReward Checking
OTHER TIERS: 0.25% $25k+

Waggoner Bank Locations
The Waggoner National Bank Of Vernon1818 Texas StreetVernon, TX 76384
Electra Branch401 West Front StreetElectra, TX 76360