Valliance Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 54.57 percentage points in Q2 2026, from 290.44% to 345.00%. It was the largest change from Q1 2026 among the key lines here. Among 169 Oklahoma banks, Valliance Bank sits 5th from the top on loan-to-deposit ratio, 106.50% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Valliance Bank sits 25.67 points higher, at 106.50% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $780.7M |
| Net loans and leases | $771.9M |
| Loans held for sale | $0 |
| Loans to total assets | 84.56% |
| Loan-to-deposit ratio | 106.50% |
| Net loans to equity capital | 9.75% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.91% |
| Multifamily (5+ residential) | 0.31% |
| Commercial and industrial | 26.99% |
| Consumer | 0.21% |
| Credit cards | 0.00% |
| Farm | 1.37% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 345.00% |
| Construction concentration (Tier 1 capital + allowance) | 107.82% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.48% |
| Interest income on loans | $12.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $539.9M | $531.5M | 43.29% | 26.22% | 0.17% |
| Q4 2023 | $538.0M | $527.5M | 44.31% | 24.31% | 0.18% |
| Q1 2024 | $562.4M | $513.3M | 42.80% | 25.08% | 0.19% |
| Q2 2024 | $586.1M | $547.7M | 42.36% | 25.12% | 0.19% |
| Q3 2024 | $580.7M | $583.2M | 42.43% | 24.68% | 0.21% |
| Q4 2024 | $586.3M | $601.9M | 41.44% | 25.39% | 0.20% |
| Q1 2025 | $611.2M | $614.4M | 41.69% | 26.49% | 0.20% |
| Q2 2025 | $628.5M | $619.0M | 41.36% | 27.70% | 0.30% |
| Q3 2025 | $619.6M | $625.0M | 43.83% | 26.80% | 0.27% |
| Q4 2025 | $673.4M | $689.1M | 43.24% | 27.43% | 0.44% |
| Q1 2026 | $703.3M | $708.5M | 42.09% | 27.55% | 0.25% |
| Q2 2026 | $780.7M | $733.0M | 42.91% | 26.99% | 0.21% |
Valliance Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Valliance Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Valliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57841) · FFIEC NIC profile (RSSD 3267738)