Bank Comparison
Vallant Bank vs John Marshall Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 12
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Vallant Bank | John Marshall Bank |
|---|---|---|
| CET1 Ratio | 11.52% | 15.38% |
| Tier 1 Capital Ratio | 11.52% | 15.38% |
| Total Capital Ratio | 12.67% | 16.48% |
| Tier 1 Leverage Ratio | 9.63% | 12.60% |
| Equity / Assets | 9.58% | 12.23% |
Profitability
| Metric | Vallant Bank | John Marshall Bank |
|---|---|---|
| Return on Assets (ROA) | 1.15% | 1.12% |
| Return on Equity (ROE) | 12.12% | 9.22% |
| Net Interest Margin (NIM) | 4.30% | 2.88% |
| Yield on Earning Assets | 5.37% | 4.97% |
| Cost of Funds | 1.15% | 2.39% |
Asset quality
| Metric | Vallant Bank | John Marshall Bank |
|---|---|---|
| Texas Ratio | 2.63% | 0.33% |
| Non-Performing Loan Ratio | 0.12% | 0.05% |
| Non-Performing Asset Ratio | 0.24% | 0.04% |
| Net Charge-Off Ratio | 0.03% | -0.01% |
| ACL / Loans | 1.23% | 1.01% |
Balance sheet
| Metric | Vallant Bank | John Marshall Bank |
|---|---|---|
| Total Assets | $2,345M | $2,348M |
| Total Deposits | $2,091M | $1,992M |
| Total Loans | $1,752M | $1,973M |
| Total Equity | $224,635K | $287,307K |
| Net Income (quarter) | $6,786K | $6,571K |
Liquidity & funding
| Metric | Vallant Bank | John Marshall Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 83.79% | 99.04% |
| Core Deposit Ratio | 94.59% | 82.93% |
| Uninsured Deposit Ratio | 34.02% | 44.53% |
Identity
| Metric | Vallant Bank | John Marshall Bank |
|---|---|---|
| Headquarters City | ELBERTON | RESTON |
| Headquarters State | GA | VA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 36 | 8 |
| Employees (FTE) | 390 | 139 |
| Established | March 12, 1934, midnight | April 17, 2006, 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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