Valor Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Valor Bank of Edmond, OK against its peer group of 2757 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 | 2.39% | 1.25% | +1.14% | 93rd top |
| ROAE | 27.47% | 12.22% | +15.25% | 97th top |
| Net Interest Margin | 4.88% | 3.95% | +0.93% | 90th top |
| Efficiency Ratio | 57.13% | 63.71% | -6.58% | 62nd above |
| PPNR / Avg Assets | 2.50% | — | — | 89th top |
| Yield on Earning Assets | 7.38% | 5.67% | +1.71% | 97th top |
| Cost of Funds | 2.71% | 1.87% | +0.84% | 10th bottom |
| Net Interest Spread | 4.36% | — | — | 92nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.32% | 0.88% | -0.56% | 56th above |
| NPA / Total Assets | 0.28% | — | — | 53rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 49th below |
| ACL / Total Loans | 0.87% | — | — | 15th bottom |
| ACL / NPLs (Coverage) | 274.19% | — | — | 56th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 2.93% | 5.96% | -3.03% | 48th below |
| Provision / NCO | 1600.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.02% | 17.18% | -5.16% | 18th bottom |
| Tier 1 Ratio | 12.02% | 17.21% | -5.19% | 17th bottom |
| Total Capital Ratio | 13.18% | — | — | 18th bottom |
| Leverage Ratio | 8.70% | 11.75% | -3.05% | 8th bottom |
| Equity / Assets | 8.64% | 10.98% | -2.34% | 21st bottom |
| TCE / Tangible Assets | 8.64% | — | — | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.68% | 80.44% | +20.24% | 11th bottom |
| Core Deposit Ratio | 82.59% | 86.95% | -4.36% | 23rd bottom |
| Wholesale Funding Ratio | 4.30% | — | — | 43rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.48% | — | — | 65th above |
| Loan Growth (Y/Y) | 6.50% | — | — | 56th above |
| Deposit Growth (Y/Y) | 3.52% | — | — | 46th below |
See Valor Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Valor 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 Valor Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Valor Bank peer analysis.