Bank routing number ยท Edmond, Oklahoma
Valor Bank Routing Number (ABA): 103112510
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The Valor Bank routing number is 103112510. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 25, 2026.
Valor Bank at a glance
Its CET1 capital ratio was 12.02% at Q2 2026, above regulatory requirements.
- Total assets, Q2 2026
- $302.6M
- CET1 ratio, Q2 2026
- 12.02%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Domestic offices
- 1 FDIC institution directory, current count
- Established
- 1930
Full financial profile · Is Valor Bank safe? · Branch locations
Valor Bank routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 103112510 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 25, 2026. NIC holds one primary number per bank; Valor Bank publishes any other numbers it uses itself.
What the digits mean
The first two digits, 10, place this number in the Federal Reserve Bank of Kansas City's district (District 10). Digits five through eight, 1251, identify the institution within that district. The last digit, 0, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.
Before you send money to Valor Bank
A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.
Match this number against the one on your Valor Bank checks or in its online banking. Ask the bank for wire instructions (valor.bank). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.
About Valor Bank
Valor Bank is headquartered in Edmond, Oklahoma and was established in 1930. It is in the OKLAHOMA CITY, OK metro area. It reported $302.6M in total assets and $262.1M in deposits for Q2 2026, the 83rd largest of the 169 banks headquartered in Oklahoma. It reports 1 domestic office. Its deposits have been FDIC insured since 1934. Its primary federal regulator is the FDIC. 3 other banks and credit unions headquartered in Edmond have a routing number listed here.
What the digits in 103112510 mean
The first four digits, 1031, are the Federal Reserve routing symbol. The prefix 10 places the number in the 10th Federal Reserve District (Kansas City). That is also the district where the bank is headquartered. Digits five through eight, 1251, identify the institution within its Federal Reserve district. The last digit, 0, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 7 + 7 x 2 + 5 = 40, a multiple of 10, so 103112510 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the Valor Bank routing number?
The Valor Bank routing number is 103112510. It is the primary ABA routing transit number registered to Valor Bank, headquartered in Edmond, OK. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 25, 2026.
What is the Valor Bank wire routing number?
This page lists the primary routing number registered to Valor Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with Valor Bank before sending a wire.
Is ABA number 103112510 the routing number for Valor Bank?
Yes. It is the primary routing number registered to Valor Bank.
Which bank uses routing number 103112510?
It belongs to Valor Bank, headquartered in Edmond, OK. It is the bank's primary ABA routing number (FDIC certificate 9467).
Routing numbers of similar-size institutions in Oklahoma
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- Kirkpatrick Bank: 103001469
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- F&M Bank: 103104133
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- The Citizens Bank of Edmond: 103002251
- Credit union, Tulsa, OK
- Energy One Federal Credit Union: 303986258
- Credit union, Oklahoma City, OK
- Oklahoma Educators Credit Union: 303085353
- Bank, Oklahoma City, OK
- The Bankers Bank: 103003616
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- McClain Bank: 103111618
- Bank, Elk City, OK
- First National Bank & Trust, Elk City, Oklahoma: 103101576
View Valor Bank's full profile →
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Regulator records: FDIC BankFind (cert 9467) · FFIEC NIC profile (RSSD 129358)