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The Bank Of Vernon
Vernon, AL · FDIC Certificate #51 · Chartered 11/1
Total assets
$445.36M
Total deposits
$373.64M
Total equity
$70.06M
Net loans
$327.90M
Branches (offices)
5
Net income (YTD)
$2.72M
Rank: #1,925 of 4,213 U.S. banks by assets · #33 of 93 in Alabama. Assets changed 14.6% and deposits 15.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.27% |
| Return on equity | 7.88% |
| Net interest margin (YTD) | 4.79% |
| Equity to assets | 15.73% |
| Tier 1 leverage ratio | 16.60% |
| Uninsured deposits (share of deposits) | 18.2% |
| Noncurrent loans (share of loans) | 0.47% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 87.8% |
| Real estate loans (share of loans) | 62.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $205.55M | 62.7% | |
| Commercial & industrial | $99.55M | 30.4% | |
| Consumer / individual | $11.99M | 3.7% | |
| Construction & development | $14.10M | 4.3% | |
| Agricultural | $11.99M | 3.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $277.78M | $230.61M | $1.23M | $46.74M |
| Jun 2023 | $299.88M | $250.79M | $1.84M | $48.13M |
| Jun 2024 | $339.38M | $279.40M | $2.46M | $57.86M |
| Jun 2025 | $388.76M | $323.36M | $2.57M | $63.87M |
| Jun 2026 | $445.36M | $373.64M | $2.72M | $70.06M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $218.23M | 2 |
| Mississippi | $155.42M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $373.64M.
Similar-sized banks
Bank Of The Plains ($445.59M) · Peoples Bank ($445.33M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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