Bank Comparison
Valor Bank vs Stock Exchange Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Valor Bank | Stock Exchange Bank, the |
|---|---|---|
| CET1 Ratio | 11.82% | — |
| Tier 1 Capital Ratio | 11.82% | — |
| Total Capital Ratio | 12.96% | — |
| Tier 1 Leverage Ratio | 8.97% | 18.26% |
| Equity / Assets | 8.55% | 17.34% |
Profitability
| Metric | Valor Bank | Stock Exchange Bank, the |
|---|---|---|
| Return on Assets (ROA) | 1.93% | 1.86% |
| Return on Equity (ROE) | 21.92% | 10.68% |
| Net Interest Margin (NIM) | 4.62% | 3.85% |
| Yield on Earning Assets | 7.20% | 5.10% |
| Cost of Funds | 2.74% | 1.48% |
Asset quality
| Metric | Valor Bank | Stock Exchange Bank, the |
|---|---|---|
| Texas Ratio | 0.01% | 1.27% |
| Non-Performing Loan Ratio | 0.00% | 0.38% |
| Non-Performing Asset Ratio | 0.00% | 0.23% |
| Net Charge-Off Ratio | 0.00% | 0.81% |
| ACL / Loans | 0.87% | 1.94% |
Balance sheet
| Metric | Valor Bank | Stock Exchange Bank, the |
|---|---|---|
| Total Assets | $305,638K | $309,845K |
| Total Deposits | $266,017K | $253,349K |
| Total Loans | $263,540K | $144,191K |
| Total Equity | $26,122K | $53,741K |
| Net Income (quarter) | $1,407K | $1,418K |
Liquidity & funding
| Metric | Valor Bank | Stock Exchange Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 99.07% | 56.91% |
| Core Deposit Ratio | 84.33% | 85.66% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Valor Bank | Stock Exchange Bank, the |
|---|---|---|
| Headquarters City | EDMOND | WOODWARD |
| Headquarters State | OK | OK |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 3 |
| Employees (FTE) | 49 | 33 |
| Established | June 1, 1930, midnight | Jan. 3, 1903, 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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