Bank Comparison
First Liberty Bank vs Valliance Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Liberty Bank | Valliance Bank |
|---|---|---|
| CET1 Ratio | 13.11% | — |
| Tier 1 Capital Ratio | 13.11% | — |
| Total Capital Ratio | 14.36% | — |
| Tier 1 Leverage Ratio | 11.47% | 9.90% |
| Equity / Assets | 11.52% | 9.43% |
Profitability
| Metric | First Liberty Bank | Valliance Bank |
|---|---|---|
| Return on Assets (ROA) | 0.98% | 1.04% |
| Return on Equity (ROE) | 8.66% | 10.75% |
| Net Interest Margin (NIM) | 3.97% | 4.33% |
| Yield on Earning Assets | 6.60% | 6.52% |
| Cost of Funds | 2.95% | 2.37% |
Asset quality
| Metric | First Liberty Bank | Valliance Bank |
|---|---|---|
| Texas Ratio | 17.31% | 3.97% |
| Non-Performing Loan Ratio | 2.63% | 0.49% |
| Non-Performing Asset Ratio | 2.22% | 0.41% |
| Net Charge-Off Ratio | 0.00% | -0.24% |
| ACL / Loans | 1.57% | 1.15% |
Balance sheet
| Metric | First Liberty Bank | Valliance Bank |
|---|---|---|
| Total Assets | $835,338K | $840,668K |
| Total Deposits | $720,622K | $708,491K |
| Total Loans | $706,609K | $703,302K |
| Total Equity | $96,205K | $79,253K |
| Net Income (quarter) | $2,069K | $2,130K |
Liquidity & funding
| Metric | First Liberty Bank | Valliance Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 98.06% | 99.27% |
| Core Deposit Ratio | 85.06% | 96.94% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Liberty Bank | Valliance Bank |
|---|---|---|
| Headquarters City | OKLAHOMA CITY | OKLAHOMA CITY |
| Headquarters State | OK | OK |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 6 |
| Employees (FTE) | 95 | 100 |
| Established | Dec. 12, 1933, midnight | Oct. 20, 2004, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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