Valliance Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Valliance Bank of Oklahoma City, OK against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.25% | 1.35% | -1.10% | 8th bottom |
| ROAE | 2.81% | 13.33% | -10.52% | 9th bottom |
| Net Interest Margin | 3.84% | 3.93% | -0.09% | 45th below |
| Efficiency Ratio | 73.14% | 61.12% | +12.02% | 22nd bottom |
| PPNR / Avg Assets | 1.04% | 1.68% | -0.64% | 23rd bottom |
| Yield on Earning Assets | 6.14% | 5.67% | +0.47% | 74th above |
| Cost of Funds | 2.57% | 1.88% | +0.69% | 13th bottom |
| Net Interest Spread | 2.96% | 3.32% | -0.36% | 31st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.77% | 0.94% | +0.83% | 15th bottom |
| NPA / Total Assets | 1.50% | 0.70% | +0.80% | 12th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 30th below |
| ACL / Total Loans | 1.12% | 1.28% | -0.16% | 41st below |
| ACL / NPLs (Coverage) | 63.32% | 1547.57% | -1484.25% | 16th bottom |
| Texas Ratio | 15.76% | 7.33% | +8.43% | 12th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.31% | 12.14% | -2.83% | 18th bottom |
| Equity / Assets | 8.57% | 11.37% | -2.80% | 21st bottom |
| TCE / Tangible Assets | 8.57% | 11.09% | -2.52% | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 106.50% | 80.64% | +25.86% | 6th bottom |
| Core Deposit Ratio | 68.43% | 86.87% | -18.44% | 4th bottom |
| Wholesale Funding Ratio | 10.39% | 5.03% | +5.36% | 13th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 22.51% | 6.83% | +15.68% | 96th top |
| Loan Growth (Y/Y) | 24.21% | 7.90% | +16.31% | 95th top |
| Deposit Growth (Y/Y) | 18.42% | 6.28% | +12.14% | 93rd top |
See Valliance Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Valliance Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Valliance Bank profile, how to read a UBPR, or how this data updates.