VALOR BANK

EDMOND, OK | Small | Est. June 1, 1930, midnight | FDIC #9467 | RSSD #129358 | FDIC
Latest Report: 2025-12-31

VALOR BANK is asn small FDIC-insured commercial bank headquartered in EDMOND, OK, established in June 1, 1930, midnight. As of 2025-12-31, the bank reported total assets of $287M and total deposits of $244M. Profitability stands at 2.05% ROA and 23.28% ROE, with a net interest margin of 4.98%. The bank's CET1 capital ratio is 12.02%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.01%. FDIC Certificate #9467.

Assets

$287M

Deposits

$244M

Loans

$251M

Equity

$25M

Profitability

Return on Assets (ROA) 2.05%
Return on Equity (ROE) 23.28%
Net Interest Margin (NIM) 4.98%
Yield on Assets 7.83%
Cost of Funds 2.89%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.01%
NPA Ratio 0.00%
ACL / Loans 0.87%

Capital & Liquidity

CET1 Ratio 12.02%
Tier 1 Capital 12.02%
Total Capital Ratio 13.14%
Leverage Ratio 9.05%
Loan-to-Deposit 102.69%

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