The Bank of Vernon: how it compares with its peers
Against 36 AL banks with half to twice its assets, The Bank of Vernon's strongest measure in Q2 2026 is net interest margin (4.79% vs. a 4.04% peer median). Its weakest relative measure is return on assets (1.27% vs. 1.11%).
| Measure | The Bank of Vernon | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.27% | 1.11% | Middle third Ahead of 64% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.79% | 4.04% | Top third Ahead of 86% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.11% | 61.52% | Top third Ahead of 83% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $6.5M | Middle third Ahead of 64% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.76% | 68.51% | Context |
What it means for lending operations
Its efficiency ratio of 48.11% is better than the 61.52% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Jackson Bank, Inc. Stevenson, AL · $444M
- NobleBank & Trust Anniston, AL · $444M
- Cullman Savings Bank Cullman, AL · $457M
- Robertson Banking Company Demopolis, AL · $463M
- State Bank & Trust Winfield, AL · $413M
- Peoples Independent Bank Boaz, AL · $486M
Questions about The Bank of Vernon
How big is The Bank of Vernon?
The Bank of Vernon, established in 1911, is headquartered in Vernon, AL. It reported $445M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is The Bank of Vernon's return on assets?
1.27% annualized in Q2 2026, against a 1.11% median for 36 AL banks with half to twice its assets, ahead of 64% of them.
What is The Bank of Vernon's efficiency ratio?
48.11% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 61.52%, and lower is better.
Is The Bank of Vernon growing its loans?
Net loans grew 18.8% over the year to Q2 2026, while deposits grew 15.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Alabama bank ranked.