# VERNON BANK
LEESVILLE, LA · FDIC certificate 10526 · asset band <$300M · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $74.8M | |
| Deposits | $66.9M | |
| Loans and leases | $55.2M | |
| Total equity | $7.8M | |
| Loans / deposits | 81.70% (p66 of band) | 72.67% |
| Liquid assets / assets | 22.16% (p26 of band) | |
| Uninsured deposits / deposits | 25.21% (p86 of band) | 13.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.89% (p37 of band) | 10.53% |
| Unrealized securities loss / equity | 1.70% (p77 of band) | 0.18% |
| AOCI / equity | -0.86% (p26 of band) | |
| ROA (annualized) | 1.25% (p76 of band) | 0.82% |
| Net interest margin | 4.87% (p95 of band) | 3.60% |
| Efficiency ratio | 72.71% (p48 of band) | |
| Noncurrent loans | 0.07% (p19 of band) | 0.74% |
| Net charge-offs (annualized) | 0.62% (p97 of band) | |
| Reserve coverage of noncurrent | 1160.98% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 33.10% (p70 of band) | |
| Auto loans | $510,000 (0.92% of loans; DQ 0.39%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.3% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2015-08-24 [Business First Bank Names Kirk Pellerin President Of Lake Charles Market - Biz New Orleans](https://news.google.com/rss/articles/CBMioAFBVV95cUxQV3FsWDQ0SFEtMUo0NDUwVTJTR05ZZVVrbW5RSU9TVUk0LWJrdWVOT1dTYW82cHB3VWQwZW1CMDNFajlkWFkxbkpoOVo5MF9KRU9ucjFjSkpNbHhYSGNaSzBtOExKUV9EVzF1UDZyYUF3Q0R1bExJTmx5TmlrNHRtTjk5c3ZQNWVmUXNweTBCbjlVY3BDVmowWWgtdnBmNXdp?oc=5) · Biz New Orleans
- 2017-10-28 [Obituary information for James Madison Ardoin - Martin & Castille Funeral Home](https://news.google.com/rss/articles/CBMiekFVX3lxTE4wb2RzWDEyYmRsX0wyTmNjR3Fwc01jUDNoaU9NQWJsZUExUEY4MFVWVUo3NXItaS1ILVp4UXNjMjRSUHhESGRJTkZhVVNONTExVk83ZlZTb1ljQ0pqbktqU2kxRDNOSmRpNzNYSW5vejcxVWJGNjBKMEFn?oc=5) · Martin &amp; Castille Funeral Home
- 2025-04-14 [Lacy Joanne Johnson - Crowder Funeral Home](https://news.google.com/rss/articles/CBMidEFVX3lxTFBfZUF1NEh1cmFOV3ZSeFpMLTVoT01BUEhpVWNsWWF0SmtsTHlBSEtzamRsT3ZSOGpZeGRMR09fSWVabTB2cHhGdEFSb0RSUVEyeDF6NUZVRnV3SjhqX0dYaUtJT1Rxd1NkdzZoeGZiRUN3bXpn?oc=5) · Crowder Funeral Home
- 2011-03-03 [Bobby Woods Obituary - Leesville, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxNNkoyVGZXcVBkNzJJSk1ZZExIcDA5NlNfRFBiR3Jvb2tEV3hmYWZSeV9XWjlBZlZMY3BEZGpIbWNBM1VXVi12TXoybmJZQUxxY1F0WDFNTkJGd2RhSWJCVVhfYkRSWmVERDFHemtERHZheE01cnhnTUFhakpFNlpZMQ?oc=5) · Dignity Memorial
- 2013-12-27 [Lydia Ballard Obituary - Leesville, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxOVGZfMkw0TUR3bTZSY1lTaUhYWVk4V2FrcnRLWHQzcjBGR005NnpMdVdIUF8xNk41dkpyQkl0dVdHXzlMb21MVTdoellJRFJ6VGcwQVZrbDVabWxNeWE4NUR0ZXRIb1Vvb2JOZjFUNmYzS2Vna3VkanNMeFlPTXZRcjZTMA?oc=5) · Dignity Memorial
- 2023-02-12 [Rose Arlene Terrell Obituary (2023) - Leesville, LA - Jeane's Funeral Service - Leesville - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPaXhEZnd2dXhvSDI2U2dzbHZkM2Q4aHVITVBfSUJYeURhMHZCWldJS2lobTk2U05zaXdiVXNMQ2N4enl6YUtmdVhqWEIyNmtGSk9CWldreGdGeGhSOEJZV0FPN1FUaS1ISndaWHhNVHQtdmhaZVNCYVhXZzFzekgzSQ?oc=5) · legacy.com
- 2012-10-05 [Elaine Kennedy Obituary - Leesville, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxQQjhtN2xxQldFWVNqTGhOQ3VnZ3g4anNkZHRaYjhNNEw3VWktSkhsM3NLb29LSmdoakw0dU4wM1RadGZFMUJ4LXRpTkhYYWZtdGdRcHZNSDM4dUs4UG5yWXA0T3JSemM0dEU0T1ZiSFBGT2gzTUc1eldnYk92aUpvTkRRbEs?oc=5) · Dignity Memorial
- 2011-01-19 [Gayle Woods Obituary (2011) - Leesville, LA - Leesville Daily Leader - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxOVUZUay1MS3BxVWdCMlNOSEtIbFRZTVUtb3VBWS01VTdOMkIyeGVMWG1waFEzSEdQOXRmaGR0TTdXdzVIS2ZUcEdEQ1RVZFlvYndVMnZqRHNWaHhQTjRaSTFuUUZaa2tTRXMyaUZ6V2V0NGRDaFdfOHJ6NnBoUFJTdjU2a3ZlOXJUZGZCUTJEY2hxdFFLYXVjTFFMNA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10526 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/30.json (key "10526", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide