Valor 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 Loan-to-deposit ratio: 1.61 percentage points higher than in Q1 2026, at 100.68%. Among 169 Oklahoma banks, Valor Bank sits 16th from the top on return on assets, 2.39% as of Q2 2026. Valor Bank's return on assets of 2.39% is well above the 1.26% median for banks in the $100M-1B asset tier, a gap of 1.13 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.02% |
| Tier 1 risk-based capital ratio | 12.02% |
| Total risk-based capital ratio | 13.18% |
| Tier 1 leverage ratio | 8.70% |
| Equity capital to assets | 8.64% |
| Tangible equity to tangible assets | 8.64% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.32% |
| Non-performing assets ratio | 0.28% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.93% |
| Allowance for credit losses to loans | 0.87% |
| Reserve coverage of non-performing loans | 274.19% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.39% |
| Return on equity | 27.47% |
| Net interest margin | 4.88% |
| Efficiency ratio | 57.13% |
| Yield on earning assets | 7.38% |
| Cost of funds | 2.71% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.68% |
| Core deposits to total deposits | 82.59% |
| Brokered deposits to total deposits | 1.53% |
| Deposits to assets | 86.61% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.14% | 11.14% | 12.23% | 8.25% | 1.35% |
| Q4 2023 | 11.28% | 11.28% | 12.37% | 8.02% | 1.43% |
| Q1 2024 | 11.40% | 11.40% | 12.51% | 8.04% | 1.39% |
| Q2 2024 | 11.54% | 11.54% | 12.69% | 8.10% | 1.59% |
| Q3 2024 | 11.17% | 11.17% | 12.31% | 8.07% | 1.65% |
| Q4 2024 | 11.52% | 11.52% | 12.62% | 8.10% | 1.70% |
| Q1 2025 | 11.05% | 11.05% | 12.16% | 8.16% | 1.67% |
| Q2 2025 | 11.38% | 11.38% | 12.50% | 8.12% | 2.38% |
| Q3 2025 | 12.44% | 12.44% | 13.60% | 8.66% | 2.57% |
| Q4 2025 | 12.02% | 12.02% | 13.14% | 9.05% | 2.05% |
| Q1 2026 | 11.82% | 11.82% | 12.96% | 8.97% | 1.93% |
| Q2 2026 | 12.02% | 12.02% | 13.18% | 8.70% | 2.39% |
Valor Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Valor 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 Valor Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9467) · FFIEC NIC profile (RSSD 129358)