Valor Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Valor Bank is one of the more profitable banks of its size. The Edmond, Oklahoma bank had $303 million in assets at June 30, 2026, up 6.5% from a year earlier. It earns about $2.39 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 4.88 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
Delinquency has appeared in its $47 million non-owner-occupied commercial real estate book: 2.70% of those loans are past due or on nonaccrual, against almost none a year earlier. Problem loans have nearly tripled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.32% of loans, against 0.06% a year earlier. Where it has less room is capital: it funds 8.70% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
As of June 30, 2026, Valor Bank reported a CET1 capital ratio of 12.02%, a return on assets of 2.39%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 2.93%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1501 Renaissance Blvd, Edmond, OK 73013
- County
- Oklahoma
- Metro Area
- Oklahoma City, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 1, 1930
- Former names
- First State Bank (2006-2015)
- Offices
- 1 domestic
- Employees (FTE)
- 51
- Domestic deposits
- $262.1M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $300.5M
- Average total loans
- $263.7M
- Average interest-bearing deposits
- $230.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9467
- Fed RSSD
- 129358
- Website
- valor.bank →
- Parent Holding Company
- FIRST OF GRANDFIELD CORPORATION (RSSD 1056723)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Valor Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Valor Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Valor Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Valor Bank: ROA.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.02% | 2.39% | 0.00% | 2.93% | 4.88% |
| Q1 2026 | 11.82% | 1.93% | 0.00% | 0.01% | 4.62% |
| Q4 2025 | 12.02% | 2.05% | 0.00% | 0.01% | 4.67% |
| Q3 2025 | 12.44% | 2.57% | 0.00% | 0.71% | 4.70% |
| Q2 2025 | 11.38% | 2.38% | 0.00% | 0.61% | 4.44% |
| Q1 2025 | 11.05% | 1.67% | 0.00% | 1.44% | 4.21% |
| Q4 2024 | 11.52% | 1.70% | 0.00% | 0.03% | 3.94% |
| Q3 2024 | 11.17% | 1.65% | 0.06% | 3.22% | 3.87% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Valor Bank (main office) | Edmond , OK | 73013 | $262.1M |
Regulatory record
What the public regulatory sources show for Valor Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in OK, rank 92 of 194 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 514 applications, 389 loans originated, $124.5M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $530K approved, $265K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Valor Bank
What are Valor Bank's total assets?
As of the Q2 2026 filing, Valor Bank reported total assets of $302.6 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Valor Bank headquartered?
Valor Bank is headquartered in Edmond, OK, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Valor Bank founded?
Valor Bank was established in 1930, per the FDIC institution directory.
Is Valor Bank FDIC-insured?
Yes. Valor Bank is an FDIC-insured commercial bank (FDIC Certificate #9467). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Valor Bank?
Valor Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Valor Bank's CET1 capital ratio?
Valor Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.02% in its Q2 2026 call report, above regulatory requirements.
How many branches does Valor Bank operate?
Valor Bank operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Valor Bank's Texas Ratio?
Valor Bank's Texas Ratio is 2.93% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Valor Bank previously called?
The charter now named Valor Bank has also operated as First State Bank (2006-2015), per FDIC structure-change records.
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