Valliance Bank
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Data as of · sourced from FFIEC call reports. How we update
Valliance Bank is an FDIC-insured commercial bank headquartered in Oklahoma City, OK, established in 2004 (FDIC certificate 57841), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $923.3M, up 22.5% from Q2 2025, the 30th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.31% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57841
- Headquarters
- Oklahoma City, OK
- Established
- 2004
- Total assets, Q2 2026
- $923.3M
- Assets vs Q2 2025
- +22.5%
- Tier 1 leverage ratio, Q2 2026
- 9.31%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 103013017
- Latest call report
- Q2 2026, FFIEC 051 · Valliance Bank call report
- Holding company
- VALLIANCE FINANCIAL CORP.
- Asset rank in state
- 30th of 169 in Oklahoma
Problem loans are rising at Valliance Bank. Its balance sheet stood at $923 million at June 30, 2026, up 22.5% from a year earlier; it is based in Oklahoma City, Oklahoma. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.58% of loans from 0.31% a year earlier. It earns about $0.25 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans worth 3.5 times its capital, about triple the median of 1.2 times for banks its size.
Earnings fell sharply: quarterly net income of $556,000 was 74% below a year earlier. The commercial and industrial book ($211 million) is worsening: 3.86% of it is past due or on nonaccrual, up from 1.21% a year earlier. Credit is the area to watch: it carries problem assets equal to 14.1% of the capital and reserves that would absorb them, 5.3 times the median of 2.6% for banks its size.
As of June 30, 2026, Valliance Bank reported a return on assets of 0.25%, a nonperforming-loan ratio of 1.58% and a Texas ratio of 14.05%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Valliance Bank is the 30th largest of the 169 banks headquartered in Oklahoma. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 9.8% to $923.3M, loans rose 11.0% and deposits rose 3.5%. Commercial and industrial loans made up 27.0% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 26.8%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities across 2 states; its Oklahoma City 2 offices book 62% of its branch deposits. On its Q2 2026 call report, Valliance Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1601 Nw Expressway, Oklahoma City, OK 73118
- County
- Oklahoma
- Metro Area
- Oklahoma City, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 20, 2004
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 103
- Domestic deposits
- $733.0M
- Allowance for credit losses
- $8.8M
- Net charge-offs (YTD)
- -$363K
- Average total assets
- $875.1M
- Average total loans
- $740.3M
- Average interest-bearing deposits
- $547.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 20, 2004
- FDIC Cert
- 57841
- Fed RSSD
- 3267738
- Website
- www.valliance.bank →
- Parent Holding Company
- VALLIANCE FINANCIAL CORP. (RSSD 3447400)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Valliance Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Valliance Bank's total assets ranged from $622.0M (Q4 2023) to $923.3M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$923.3M total assets against $753.7M; $844.2M total liabilities against $685.7M.
$771.9M net loans and leases against $620.9M; $733.0M total deposits against $619.0M.
$66.2M securities against $52.9M; $44.9M cash and balances due against $43.1M.
$12.9M total interest income against $12.8M; $4.9M total interest expense against $4.4M.
$8.1M net interest income against $8.5M.
$405K total noninterest income against $590K; $6.2M total noninterest expense against $5.3M.
$1.2M provision for credit losses against $715K.
$556K net income against $2.2M.
0.25% return on assets against 1.16%; 3.84% net interest margin against 4.77%.
9.31% tier 1 leverage ratio against 9.54%.
Inside the full Valliance 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Valliance Bank rankings
Its closest position to the top of a national ranking is 351 of 3,640, for Texas Ratio; its furthest is 3,424 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.25% (Q2 2026) to 4.56% (Q3 2025) and its net interest margin ran from 3.67% (Q1 2025) to 9.13% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.31% | 0.25% | 1.58% | 14.05% | 3.84% |
| Q1 2026 | 9.90% | 1.04% | 0.27% | 2.14% | 4.33% |
| Q4 2025 | 10.19% | 0.93% | 0.27% | 2.42% | 4.18% |
| Q3 2025 | 10.41% | 4.56% | 0.39% | 3.20% | 9.13% |
| Q2 2025 | 9.54% | 1.16% | 0.31% | 2.94% | 4.77% |
| Q1 2025 | 9.52% | 1.48% | 0.00% | 0.41% | 3.67% |
| Q4 2024 | 9.66% | 1.22% | 0.00% | 0.43% | 3.85% |
| Q3 2024 | 9.26% | 0.88% | 0.00% | 0.45% | 3.84% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Valliance Bank (main office) | Oklahoma City , OK | 73118 | $403.5M |
| Norman Branch | Norman , OK | 73069 | $133.3M |
| Valliance Bank-Mckinney Branch | Mckinney , TX | 75070 | $89.8M |
| Valliance Bank-Downtown Branch | Oklahoma City , OK | 73102 | $48.1M |
| Valliance Bank Branch | Fort Worth , TX | 76104 | $47.9M |
| Valliance Bank Branch | Tulsa , OK | 74135 | $10.4M |
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 |
|---|---|---|---|
| July 21, 2012 | Structure Change | Acquired Valliance Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 20, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in OK, rank 42 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $600K approved, $300K 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, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Valliance Bank
What are Valliance Bank's total assets?
As of the Q2 2026 filing, Valliance Bank reported total assets of $923.3 million in its FFIEC call report.
Where is Valliance Bank headquartered?
It is headquartered in Oklahoma City, OK, United States.
When was Valliance Bank founded?
It was established in 2004, per the FDIC institution directory.
Is Valliance Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57841). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Valliance Bank?
Valliance Bank's primary federal regulator is the FDIC.
How many branches does Valliance Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Valliance Bank's Texas Ratio?
Its Texas Ratio is 14.05% 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.
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