Valliance Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 168.99 percentage points lower than in Q1 2026, at 63.32%. Valliance Bank has the 14th lowest return on assets of the 169 banks headquartered in Oklahoma, at 0.25% as of Q2 2026. Valliance Bank's return on assets of 0.25% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.00 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.31% |
| Equity capital to assets | 8.57% |
| Tangible equity to tangible assets | 8.57% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.77% |
| Non-performing assets ratio | 1.50% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 15.76% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 63.32% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.25% |
| Return on equity | 2.81% |
| Net interest margin | 3.84% |
| Efficiency ratio | 73.14% |
| Yield on earning assets | 6.14% |
| Cost of funds | 2.57% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 106.50% |
| Core deposits to total deposits | 68.43% |
| Brokered deposits to total deposits | 28.83% |
| Deposits to assets | 79.39% |
| Securities to assets | 7.17% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.09% | 0.86% | 4.00% | 0.14% | 0.04% |
| Q4 2023 | 9.50% | -0.49% | 3.83% | 0.11% | 1.84% |
| Q1 2024 | 9.53% | 0.39% | 3.86% | 0.06% | 0.28% |
| Q2 2024 | 9.28% | 0.85% | 3.70% | 0.00% | -0.03% |
| Q3 2024 | 9.26% | 0.88% | 3.84% | 0.00% | 0.18% |
| Q4 2024 | 9.66% | 1.22% | 3.85% | 0.00% | -0.05% |
| Q1 2025 | 9.52% | 1.48% | 3.67% | 0.00% | -0.04% |
| Q2 2025 | 9.54% | 1.16% | 4.77% | 0.31% | -0.01% |
| Q3 2025 | 10.41% | 4.56% | 9.13% | 0.39% | -0.01% |
| Q4 2025 | 10.19% | 0.93% | 4.18% | 0.50% | 0.37% |
| Q1 2026 | 9.90% | 1.04% | 4.33% | 0.49% | -0.24% |
| Q2 2026 | 9.31% | 0.25% | 3.84% | 1.77% | 0.03% |
Valliance Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Valliance Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)