Waggoner Nb of Vernon Safety Rating
Waggoner Nb of Vernon's safety rating is grade A, a Bank Health Score of 91/100 built from FDIC call report data. That ranks #915 out of 3,960 FDIC-insured banks nationally (top 23%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Waggoner Nb of Vernon's best component is Tier 1 capital (100/100) and its weakest is loan quality (72/100).
This page answers a common banking-safety question: Waggoner Nb of Vernon Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Waggoner Nb of Vernon Safety Rating Breakdown
- Overall rating
- Grade A (91/100)
- National rank
- #915 of 3,960
- Tier 1 capital (35%)
- 100/100
- Loan quality (30%)
- 72/100
- Liquidity (25%)
- 100/100
- Profitability (10%)
- 96/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places Waggoner Nb of Vernon among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 23% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.14% | 100/100 |
| Nonperforming Loan Ratio | 1.41% | 72/100 |
| Liquidity Ratio | 37.83% | 100/100 |
| Return on Assets | 1.90% | 96/100 |
| Total Assets | $0.3B | |
How does Waggoner Nb of Vernon compare?
With a Bank Health Score of 91/100, Waggoner Nb of Vernon sits 11.0 points above the national average of 80/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, Waggoner Nb of Vernon ranks above the state average of 85/100 (Grade A).
The bank's Tier 1 capital ratio of 15.14% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold. Its nonperforming loan ratio of 1.41% is in a normal range for a bank this size.
What changed in the last year?
Over the last four quarters, Waggoner Nb of Vernon's Bank Health Score improved by 3.0 points to 91/100. Tier 1 capital strengthened by 1.46 percentage points to 15.14%. Quarter-over-quarter, the score rose by 4.0 points.
Frequently Asked Questions
Waggoner Nb of Vernon's safety rating is grade A, a Bank Health Score of 91/100 built from FDIC call report data. That ranks #915 out of 3,960 FDIC-insured banks nationally (top 23%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Waggoner Nb of Vernon's best component is Tier 1 capital (100/100) and its weakest is loan quality (72/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For Waggoner Nb of Vernon: Tier 1 capital scores 100/100, loan quality 72/100, liquidity 100/100, and profitability 96/100 — combining to 91/100 (grade A).
Waggoner Nb of Vernon's Bank Health Score of 91/100 is 6.0 points above the Texas state average of 85/100. 321 FDIC-insured banks are headquartered in Texas.
Yes. Waggoner Nb of Vernon (FDIC certificate #5569) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Waggoner Nb of Vernon
Waggoner Nb of Vernon's safety rating is grade A, a Bank Health Score of 91/100 built from FDIC call report data. That ranks #915 out of 3,960 FDIC-insured banks nationally (top 23%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Waggoner Nb of Vernon's best component is Tier 1 capital (100/100) and its weakest is loan quality (72/100).