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The Bank of Vernon

$100M-$1B Specialty: Commercial AL FDIC cert 51

Designations: ✓ CDFI-certified

Vernon, AL

5 branches across MS · AL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
  • Deposits +15.6% year over year ($373.6M on the books).
  • Delinquency rate 0.48%.
  • Return on assets 1.27%.
  • Efficiency ratio 48.11% vs a 64.48% peer average.
  • Loan-to-deposit ratio 87.76% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 63 in AL
View $100M-$1B leaderboard (AL) →

The Bank of Vernon has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.80% above tier average
  • + Efficiency Ratio 16.37% below tier average
  • + Delinquency Rate 0.44% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 42.7% in tier
  • - Credit Quality Pressure: Bottom 48.8% in tier
  • - ROA 0.06% below tier average
Get updates when The Bank of Vernon releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $445.4M
+14.6% YoY +4.1% QoQ
+$58.8M $386.6M
+1.2% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
67%
Total Loans ? $327.9M
+18.8% YoY +2.0% QoQ
+$69.6M $258.3M
+1.7% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
71%
Total Deposits ? $373.6M
+15.6% YoY +4.8% QoQ
+$46.9M $326.7M
+0.7% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
66%
Return on Assets ? 1.27%
-7.0% YoY -32.0% QoQ
-0.06% 1.32%
+10.8% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
51%
Net Interest Margin ? 4.79%
+6.1% YoY +0.2% QoQ
+0.80% 3.99%
+5.0% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
Top 12.3% in tier
Efficiency Ratio ? 48.11%
+2.3% YoY -3.6% QoQ
-16.37% 64.48%
-3.2% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
Top 13.2% in tier
Delinquency Rate ? 0.48%
+359.8% YoY +290.6% QoQ
-0.44% 0.92%
+15.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
47%
Loan-to-Deposit Ratio ? 87.76%
+2.8% YoY -2.7% QoQ
+9.81% 77.95%
+1.0% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
31%
Non-Interest-Bearing Deposit Share ? 22.14%
-7.1% YoY +2.2% QoQ
+0.11% 22.03%
-0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
55%
Nonperforming Asset Ratio ? 0.50%
+33.4% YoY +189.3% QoQ
-0.17% 0.67%
+16.4% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
39%
Tier 1 Capital Ratio ? 16.60%
-7.6% YoY -2.9% QoQ
+0.69% 15.91%
+1.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
75%
Non-Interest Income / Assets ? 0.16%
-31.5% YoY +324.0% QoQ
-0.41% 0.57%
+7.6% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
37%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Noninterest-Bearing 22.1%
-1.7pp YoY
+0.5pp QoQ
 0.0pp 22.1% 24.0% 22.2% 55%
Brokered Deposits 2.9%
+2.7pp YoY
+2.5pp QoQ
 -5.0pp 7.9% 5.5% 8.5% 38%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 30.4%
-3.5pp YoY
-1.4pp QoQ
 +18.8pp 11.6% 16.9% 12.5% 96%
CRE 29.9%
+2.6pp YoY
+1.3pp QoQ
 -9.7pp 39.5% 43.5% 41.4% 34%
1-4 Family 23.6%
-2.1pp YoY
-0.9pp QoQ
 -9.0pp 32.6% 30.6% 31.3% 38%
Consumer 3.7%
-0.2pp YoY
0.0pp QoQ
 -0.5pp 4.1% 5.7% 5.0% 67%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.1% 19.7% n/a
Leverage Ratio 16.6%
-1.4pp YoY
-0.5pp QoQ
 +4.4pp 12.2% 13.2% 12.6% 92%
Total Capital Ratio n/a n/a 19.9% 16.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 63
+7 (+12.5%) YoY
+4 (+6.8%) QoQ
 +4 58 304 482 66%
Assets per Employee ($) $7.1M
+1.8% YoY
-2.5% QoQ
 -$449K $7.5M $6.9M $8.8M 54%
Branch Count 5
0 YoY
0 QoQ
 0 4 20 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days 0.5%
+0.3pp QoQ
 +0.1pp 0.3% 0.2% 0.4% 81%
Nonaccrual 0.0%
-0.1pp YoY
 -0.9pp 0.9% 1.2% 1.0% 4%
Allowance Coverage 3.09x
-67.5% YoY
-66.5% QoQ
 -21.06x 24.15x 7.50x 20.23x 60%
Net Charge-off Rate (YTD) 0.1%
-0.5pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.3% 0.2% 76%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 7.9%
-0.4pp YoY
-3.6pp QoQ
 -4.3pp 12.2% 10.0% 11.6% 25%
Cost of Funds (YTD) 2.2%
-0.1pp YoY
0.0pp QoQ
 +0.5pp 1.7% 1.7% 1.7% 80%
Net Income ($, YTD) $2.7M
+5.8% YoY
— QoQ
 +$162K $2.6M $17.2M $40.4M 66%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk
#318 of 742 • Bottom 42.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 16.60%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 87.76%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#614 of 1256 • Bottom 48.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.48%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

325
Net Interest Margin
profitability
Value: 4.79%
Peer Median: 3.99%
#325 of 2643 Top 12.3% in $100M-$1B
350
Efficiency Ratio
profitability
Value: 48.11%
Peer Median: 64.48%
#350 of 2643 Top 13.2% in $100M-$1B
656
Tier 1 Capital Ratio
capital
Value: 16.60%
Peer Median: 15.91%
#656 of 2643 Top 24.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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