Vallant Bank
BankRegReports is independent of Vallant Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Vallant Bank is an FDIC-insured commercial bank headquartered in Elberton, GA, established in 1934 (FDIC certificate 14065), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.99B, the 4th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 12.05% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14065
- Headquarters
- Elberton, GA
- Established
- 1934
- Total assets, Q2 2026
- $3.99B
- CET1 ratio, Q2 2026
- 12.05%
- Domestic offices
- 36 FDIC institution directory, current count
- Routing number
- 061101294
- Holding company
- VALLANT FINANCIAL, INC.
- Asset rank in state
- 4th of 121 in Georgia
Problem loans are rising at Vallant Bank. The Elberton, Georgia bank had $4.0 billion in assets at June 30, 2026, against $2.3 billion a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.51% of loans from 0.08% a year earlier. It keeps 4.77 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also grew its loan book 84.1% over the year, 14.3 times the median of 5.9% for banks its size.
Earnings jumped: net income for the quarter was $12 million, 72% above the same quarter a year earlier. The non-owner-occupied commercial real estate book ($647 million) is worsening: 0.76% of it is past due or on nonaccrual, up from 0.22% a year earlier. Costs are the weak spot: it spends about 68 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Vallant Bank reported a CET1 capital ratio of 12.05%, a return on assets of 1.18%, a nonperforming-loan ratio of 0.51% and a Texas ratio of 4.00%. The figures come from its call report filed with the FFIEC.
Vallant Bank ranks as the 4th largest of the 121 banks based in Georgia, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 69.9% to $3.99B, loans rose 70.4% and deposits rose 65.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 22.1% of total loans, followed by non-owner-occupied commercial real estate loans at 21.7%. Its 36 offices in the FDIC Summary of Deposits are in 26 cities in GA; its Dublin 2 offices book 15% of its branch deposits. By the capital ratios in its Q2 2026 call report, Vallant Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 884 Elbert St, Elberton, GA 30635
- County
- Elbert
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- March 12, 1934
- Former names
- Pinnacle Bank (2001-2026); Pinnacle Bank, National Association (1998-2001)
- Domestic offices
- 36 FDIC institution directory, current count
- Employees (FTE)
- 579
- Domestic deposits
- $3.46B
- Allowance for credit losses
- $38.1M
- Net charge-offs (YTD)
- $872K
- Average total assets
- $4.06B
- Average total loans
- $2.94B
- Average interest-bearing deposits
- $2.42B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 14, 1934
- FDIC Cert
- 14065
- Fed RSSD
- 366238
- SEC CIK
- 910678 → filed by VALLANT FINANCIAL, INC.
- Website
- www.vallant.bank →
- Parent Holding Company
- VALLANT FINANCIAL, INC. (RSSD 3145966)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Vallant Bank's total assets moved between a low of $2.08B (Q3 2023) and a high of $3.99B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.99B total assets against $2.26B; $3.50B total liabilities against $2.05B.
$2.95B net loans and leases against $1.60B; $3.46B total deposits against $2.03B.
$510.0M securities against $379.8M; $225.2M cash and balances due against $151.1M.
$54.2M total interest income against $28.8M; $12.0M total interest expense against $6.7M.
$42.2M net interest income against $22.2M.
$12.1M total noninterest income against $5.6M; $37.9M total noninterest expense against $18.4M.
$638K provision for credit losses against $450K.
$12.0M net income against $7.0M.
1.18% return on assets against 1.21%; 4.77% net interest margin against 4.15%.
12.05% CET1 capital ratio against 11.75%; 9.85% tier 1 leverage ratio against 9.31%.
Inside the full Vallant Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Vallant Bank rankings
Its closest position to the top of a national ranking is 330 of 4,196, for total assets; its furthest is 807 of 980, for uninsured deposits.
Banks merged into Vallant Bank
- Morris Bank, effective April 1, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.13% (Q1 2025) to 1.45% (Q4 2025) and its net interest margin ran from 3.74% (Q3 2024) to 4.77% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.05% | 1.18% | 0.51% | 4.00% | 4.77% |
| Q1 2026 | 11.52% | 1.15% | 0.12% | 2.24% | 4.30% |
| Q4 2025 | 11.63% | 1.45% | 0.17% | 1.86% | 4.31% |
| Q3 2025 | 11.59% | 1.28% | 0.05% | 0.30% | 4.34% |
| Q2 2025 | 11.75% | 1.21% | 0.08% | 0.71% | 4.15% |
| Q1 2025 | 11.75% | 1.13% | 0.07% | 0.60% | 3.94% |
| Q4 2024 | 11.68% | 1.34% | 0.08% | 0.91% | 3.89% |
| Q3 2024 | 11.72% | 1.36% | 0.11% | 0.94% | 3.74% |
Swipe the table sideways to see every column.
Branch Network
View all 36 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Morris Bank Branch | Dublin , GA | 31021 | $303.1M |
| Vallant Bank (main office) | Elberton , GA | 30635 | $252.9M |
| Dublin Mall Branch | Dublin , GA | 31021 | $229.5M |
| Gray Branch | Gray , GA | 31032 | $210.4M |
| Farmers & Merchants Branch | Statesboro , GA | 30458 | $208.8M |
| Hartwell Branch | Hartwell , GA | 30643 | $176.3M |
| Liberty First Bank Mo Branch | Monroe , GA | 30655 | $175.7M |
| S. Houston Lake Road Office Branch | Warner Robins , GA | 31088 | $158.5M |
| Braselton Branch | Braselton , GA | 30517 | $139.7M |
| Downtown Branch | Elberton , GA | 30635 | $133.8M |
| Gainesville Branch | Gainesville , GA | 30501 | $132.3M |
| Royston Branch | Royston , GA | 30662 | $129.4M |
| Morris Bank - Perry Office Branch | Perry , GA | 31069 | $110.7M |
| Clarkesville Branch | Clarkesville , GA | 30523 | $103.8M |
| Covington Branch | Covington , GA | 30014 | $102.9M |
| Blairsville Branch | Blairsville , GA | 30512 | $95.7M |
| Lavonia Branch | Lavonia , GA | 30553 | $81.5M |
| Georgia Central Bank Branch | Social Circle , GA | 30025 | $76.2M |
| North Parker Avenue Branch | Brooklet , GA | 30415 | $65.9M |
| North Elm Street Branch | Commerce , GA | 30529 | $59.1M |
| Monroe Branch | Monroe , GA | 30655 | $55.6M |
| Highway 96 Office | Warner Robins , GA | 31088 | $53.2M |
| Lexington Branch | Lexington , GA | 30648 | $52.4M |
| Athens Branch | Athens , GA | 30606 | $46.0M |
| Brannen Street Branch | Statesboro , GA | 30458 | $42.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2026 | Structure Change | Acquired Morris Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2021 | Structure Change | Acquired Liberty First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2020 | Structure Change | Acquired Southern Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 11, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 11, 2016 | Structure Change | Acquired Independence Bank of Georgia Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2007 | Structure Change | Acquired Georgia Central Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1998 | Structure Change | Acquired Pinnacle Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1984 | Structure Change | Acquired The American Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 14 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.9% of deposits in GA, rank 15 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,228 applications, 851 loans originated, $282.9M originated, across 11 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 12 loans, $14.7M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Vallant Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Vallant Bank
What are Vallant Bank's total assets?
As of the Q2 2026 filing, Vallant Bank reported total assets of $3.99 billion in its FFIEC call report.
Where is Vallant Bank headquartered?
It is headquartered in Elberton, GA, United States.
When was Vallant Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Vallant Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14065). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Vallant Bank?
Vallant Bank's primary federal regulator is the FDIC.
What is Vallant Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.05% in its Q2 2026 call report, above regulatory requirements.
How many branches does Vallant Bank operate?
It operates 36 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Vallant Bank's Texas Ratio?
Its Texas Ratio is 4.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Vallant Bank previously called?
The charter now named Vallant Bank has also operated as Pinnacle Bank (2001-2026), Pinnacle Bank, National Association (1998-2001), per FDIC structure-change records.
Go deeper on Vallant Bank.
Get an email when Vallant Bank files its next call report, and benchmark it against any peer you choose.
Unlock Vallant Bank, freeFree account