TX lenders / Community Bank
The Waggoner National Bank of Vernon
Community Bank · Vernon, TX · Waggoner Natl Bancshares Inc
- Total assets
- $357.2M
- CRE loan book
- $70.4M
- QoQ CRE growth
- -0.5%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.67% as of Q1 2026 — TX bank median 6.76% (0.08pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.67% | 7.09% |
| Q4 2025 | 7.31% | 7.57% |
| Q3 2025 | 6.99% | 7.40% |
| Q2 2025 | 6.91% | 7.27% |
| Q1 2025 | 6.77% | 7.19% |
| Q4 2024 | 7.10% | 7.43% |
| Q3 2024 | 7.14% | 7.53% |
| Q2 2024 | 6.96% | 7.35% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $70.4M | $14.5M | $4.5M | 99% | $1.6M |
| Q4 2025 | $70.8M | $12.9M | $4.5M | 97% | $1.7M |
| Q3 2025 | $66.7M | $5.0M | $7.6M | 84% | $2.3M |
| Q2 2025 | $61.1M | $6.8M | $5.2M | 76% | $2.3M |
| Q1 2025 | $61.4M | $6.2M | $5.3M | 74% | $2.4M |
| Q4 2024 | $63.0M | $5.4M | $5.3M | 78% | $2.5M |
| Q3 2024 | $69.0M | $9.8M | $2.5M | 85% | $2.5M |
| Q2 2024 | $65.9M | $8.2M | $2.5M | 80% | $2.6M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Peoples State Bank of MunisingCommunity Bank · Munising · $69.6M CRE book
- Hoosier Heartland State BankCommunity Bank · Crawfordsville · $69.6M CRE book
- The Bank of KaukaunaCommunity Bank · Kaukauna · $69.4M CRE book
- Citizens Community BankCommunity Bank · Hahira · $69.0M CRE book
- Coleman County State BankCommunity Bank · Coleman · $68.9M CRE book
See all alternatives to The Waggoner National Bank of Vernon →
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.