BlastPoint's Banking Scorecard

The Waggoner National Bank of Vernon

$100M-$1B Specialty: Other TX FDIC cert 5569

Vernon, TX

2 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

The Waggoner National Bank of Vernon has 3 strengths but faces 1 concern

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

+ Revenue Diversifier: Top 16.1% in tier
+ Profitability Leader: Top 18.6% in tier
+ Efficiency Ratio 16.36% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.18% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$357.2M +6.1% YoY +4.1% QoQ	-$28.9M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	55%
Total Loans ?	$179.4M +12.4% YoY +2.4% QoQ	-$76.3M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	44%
Total Deposits ?	$311.1M +5.8% YoY +4.9% QoQ	-$16.9M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	56%
Return on Assets ?	2.26% +25.9% YoY -4.1% QoQ	+0.99%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 7.8% in tier
Net Interest Margin ?	3.75% +6.7% YoY +0.1% QoQ	-0.18%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	44%
Efficiency Ratio ?	48.93% -12.7% YoY -4.7% QoQ	-16.36%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Top 14.2% in tier
Delinquency Rate ?	0.92% -40.5% YoY -3.6% QoQ	+0.03%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	30%
Loan-to-Deposit Ratio ?	57.67% +6.3% YoY -2.4% QoQ	-18.97%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	84%
Non-Interest-Bearing Deposit Share ?	15.92% +6.2% YoY +1.1% QoQ	-6.10%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	27%
Nonperforming Asset Ratio ?	0.46% -36.9% YoY -5.2% QoQ	-0.17%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	40%
Tier 1 Capital Ratio ?	14.14% -2.6% YoY -0.2% QoQ	-1.69%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	58%
Non-Interest Income / Assets ?	0.28% +9.2% YoY -73.2% QoQ	+0.00%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 7.5% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (2)

Revenue Diversifier

growth

#108 of 666 • Top 16.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.28%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.26%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Profitability Leader

growth

#125 of 666 • Top 18.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.26%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

201

Non-Interest Income / Assets

revenue_mix

Value: 0.28%

Peer Median: 0.28%

#201 of 2664 Top 7.5% in $100M-$1B

210

Return on Assets

profitability

Value: 2.26%

Peer Median: 1.27%

#210 of 2664 Top 7.8% in $100M-$1B

379

Efficiency Ratio

profitability

Value: 48.93%

Peer Median: 65.29%

#379 of 2664 Top 14.2% in $100M-$1B

435

Loan-to-Deposit Ratio

liquidity

Value: 57.67%

Peer Median: 76.64%

#435 of 2664 Top 16.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available