Valor Bank
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Data as of · sourced from FFIEC call reports. How we update
Valor Bank is an FDIC-insured commercial bank headquartered in Edmond, OK, established in 1930 (FDIC certificate 9467), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $302.6M, up 6.5% from Q2 2025, the 83rd largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 12.02% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9467
- Headquarters
- Edmond, OK
- Established
- 1930
- Total assets, Q2 2026
- $302.6M
- Assets vs Q2 2025
- +6.5%
- CET1 ratio, Q2 2026
- 12.02%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 103112510
- Holding company
- FIRST OF GRANDFIELD CORPORATION
- Asset rank in state
- 83rd of 169 in Oklahoma
Valor Bank is one of the more profitable banks of its size. The Edmond, Oklahoma bank had $303 million in assets at June 30, 2026, up 6.5% from a year earlier. It earns about $2.39 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 4.88 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
Delinquency has appeared in its $47 million non-owner-occupied commercial real estate book: 2.70% of those loans are past due or on nonaccrual, against almost none a year earlier. Problem loans have nearly tripled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.32% of loans, against 0.06% a year earlier. Where it has less room is capital: it funds 8.70% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
As of June 30, 2026, Valor Bank reported a CET1 capital ratio of 12.02%, a return on assets of 2.39%, a nonperforming-loan ratio of 0.32% and a Texas ratio of 2.93%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, Valor Bank is the 83rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.0% to $302.6M, loans rose 0.1% and deposits fell 1.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 55.1% of total loans, ahead of non-owner-occupied commercial real estate loans at 17.8%. Its one office in the FDIC Summary of Deposits is in Edmond, OK. On its Q2 2026 call report, Valor Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1501 Renaissance Blvd, Edmond, OK 73013
- 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
- June 1, 1930
- Former names
- First State Bank (2006-2015)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 51
- Domestic deposits
- $262.1M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $300.5M
- Average total loans
- $263.7M
- Average interest-bearing deposits
- $230.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9467
- Fed RSSD
- 129358
- Website
- valor.bank →
- Parent Holding Company
- FIRST OF GRANDFIELD CORPORATION (RSSD 1056723)
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
Over the 12 quarters to Q2 2026, Valor Bank's total assets ran between $228.2M (Q3 2023) and $305.6M (Q1 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
$302.6M total assets against $284.2M; $276.4M total liabilities against $261.4M.
$261.6M net loans and leases against $245.6M; $262.1M total deposits against $253.2M.
$0 securities against $0; $34.9M cash and balances due against $32.4M.
$5.4M total interest income against $5.1M; $1.8M total interest expense against $2.0M.
$3.6M net interest income against $3.1M.
$779K total noninterest income against $910K; $2.5M total noninterest expense against $2.2M.
$16K provision for credit losses against $3K.
$1.8M net income against $1.7M.
2.39% return on assets against 2.38%; 4.88% net interest margin against 4.44%.
12.02% CET1 capital ratio against 11.38%; 8.70% tier 1 leverage ratio against 8.12%.
Inside the full Valor 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).
Valor Bank rankings
Its closest position to the top of a national ranking is 211 of 3,611, for ROA; its furthest is 1,700 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.65% (Q3 2024) to 2.57% (Q3 2025) and its net interest margin ran from 3.87% (Q3 2024) to 4.88% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.02% | 2.39% | 0.32% | 2.93% | 4.88% |
| Q1 2026 | 11.82% | 1.93% | 0.00% | 0.01% | 4.62% |
| Q4 2025 | 12.02% | 2.05% | 0.00% | 0.01% | 4.67% |
| Q3 2025 | 12.44% | 2.57% | 0.08% | 0.71% | 4.70% |
| Q2 2025 | 11.38% | 2.38% | 0.06% | 0.61% | 4.44% |
| Q1 2025 | 11.05% | 1.67% | 0.14% | 1.44% | 4.21% |
| Q4 2024 | 11.52% | 1.70% | 0.00% | 0.03% | 3.94% |
| Q3 2024 | 11.17% | 1.65% | 0.06% | 3.22% | 3.87% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Valor Bank (main office) | Edmond , OK | 73013 | $262.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in OK, rank 92 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 514 applications, 389 loans originated, $124.5M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $530K approved, $265K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (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
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Frequently asked about Valor Bank
What are Valor Bank's total assets?
As of the Q2 2026 filing, Valor Bank reported total assets of $302.6 million in its FFIEC call report.
Where is Valor Bank headquartered?
It is headquartered in Edmond, OK, United States.
When was Valor Bank founded?
It was established in 1930, per the FDIC institution directory.
Is Valor Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9467). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Valor Bank?
Valor Bank's primary federal regulator is the FDIC.
What is Valor Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.02% in its Q2 2026 call report, above regulatory requirements.
How many branches does Valor Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Valor Bank's Texas Ratio?
Its Texas Ratio is 2.93% 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 Valor Bank previously called?
The charter now named Valor Bank has also operated as First State Bank (2006-2015), per FDIC structure-change records.
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