BlastPoint's Banking Scorecard

The Waggoner National Bank of Vernon

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

Vernon, TX

2 branches across TX

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 219 in TX.
Deposits +6.8% year over year ($304.8M on the books).
Delinquency rate 0.68%.
Return on assets 2.47%.
Efficiency ratio 46.94% vs a 64.48% peer average.
Loan-to-deposit ratio 62.99% 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 219 in TX

View $100M-$1B leaderboard (TX) →

The Waggoner National Bank of Vernon shows strong momentum with 4 strengths and 7.5% YoY asset growth

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

+ Profitability Leader: Top 10.3% in tier
+ Revenue Diversifier: Top 15.9% in tier
+ Efficiency Ratio 17.54% below tier average
+ Delinquency Rate 0.24% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$353.7M +7.5% YoY -1.0% QoQ	-$32.8M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	55%
Total Loans ?	$192.0M +21.6% YoY +7.0% QoQ	-$66.3M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	46%
Total Deposits ?	$304.8M +6.8% YoY -2.0% QoQ	-$21.9M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	56%
Return on Assets ?	2.47% +25.5% YoY +9.3% QoQ	+1.15%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Top 5.0% in tier
Net Interest Margin ?	3.97% +9.1% YoY +5.8% QoQ	-0.02%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	51%
Efficiency Ratio ?	46.94% -12.9% YoY -4.1% QoQ	-17.54%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Top 11.7% in tier
Delinquency Rate ?	0.68% -72.5% YoY -26.5% QoQ	-0.24%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	39%
Loan-to-Deposit Ratio ?	62.99% +13.9% YoY +9.2% QoQ	-14.96%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	79%
Non-Interest-Bearing Deposit Share ?	16.57% -0.5% YoY +4.1% QoQ	-5.47%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	30%
Nonperforming Asset Ratio ?	0.37% -68.9% YoY -20.6% QoQ	-0.30%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	47%
Tier 1 Capital Ratio ?	14.41% -3.9% YoY +1.9% QoQ	-1.50%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	61%
Non-Interest Income / Assets ?	0.53% -1.1% YoY +92.1% QoQ	-0.03%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Top 8.5% in tier

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 (TX)	National Avg	Tier Percentile
Noninterest-Bearing	16.6% -0.1pp YoY +0.7pp QoQ	-5.6pp	22.1%	29.2%	22.2%	30%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	10.5% -1.6pp YoY +0.4pp QoQ	-1.1pp	11.6%	14.8%	12.5%	55%
CRE	37.0% -1.7pp YoY -2.2pp QoQ	-2.5pp	39.5%	48.4%	41.4%	47%
1-4 Family	16.5% +1.6pp YoY +0.5pp QoQ	-16.2pp	32.6%	25.8%	31.3%	22%
Consumer	5.9% -1.3pp YoY -0.5pp QoQ	+1.8pp	4.1%	4.7%	5.0%	82%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.7%	19.7%	n/a
Leverage Ratio	14.4% -0.6pp YoY +0.3pp QoQ	+2.2pp	12.2%	12.6%	12.6%	84%
Total Capital Ratio	n/a	n/a	19.9%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	63 +1 (+1.6%) YoY +2 (+3.3%) QoQ	+4	58	186	482	66%
Assets per Employee ($)	$5.6M +5.8% YoY -4.1% QoQ	-$1.9M	$7.5M	$10.1M	$8.8M	25%
Branch Count	2 0 YoY 0 QoQ	-3	4	12	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.7% -0.9pp YoY -0.2pp QoQ	-0.3pp	0.9%	1.0%	1.0%	61%
Allowance Coverage	4.05x +197.5% YoY +27.1% QoQ	-20.11x	24.15x	18.82x	20.23x	65%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	57%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	19.2% +3.2pp YoY +1.4pp QoQ	+7.0pp	12.2%	13.2%	11.6%	86%
Cost of Funds (YTD)	1.6% -0.4pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.6%	1.7%	42%
Net Income ($, YTD)	$4.3M +33.7% YoY — QoQ	+$1.8M	$2.6M	$15.9M	$40.4M	83%

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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)

Profitability Leader

growth

#69 of 661 • Top 10.3% in tier

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

Why this signature

Return on Assets: 2.47%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Revenue Diversifier

growth

#106 of 661 • Top 15.9% 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: 0.53%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.47%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

133

Return on Assets

profitability

Value: 2.47%

Peer Median: 1.32%

#133 of 2643 Top 5.0% in $100M-$1B

226

Non-Interest Income / Assets

revenue_mix

Value: 0.53%

Peer Median: 0.57%

#226 of 2643 Top 8.5% in $100M-$1B

309

Efficiency Ratio

profitability

Value: 46.94%

Peer Median: 64.48%

#309 of 2643 Top 11.7% in $100M-$1B

555

Loan-to-Deposit Ratio

liquidity

Value: 62.99%

Peer Median: 77.95%

#555 of 2643 Top 21.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available