Vallant Bank: Financial Reports & UBPR Data
BankRegReports is independent of Vallant Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Vallant Bank. The Elberton, Georgia bank had $4.0 billion in assets at June 30, 2026, against $2.3 billion a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.51% of loans from 0.08% a year earlier. It keeps 4.77 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also grew its loan book 84.1% over the year, 14.3 times the median of 5.9% for banks its size.
Earnings jumped: net income for the quarter was $12 million, 72% above the same quarter a year earlier. The non-owner-occupied commercial real estate book ($647 million) is worsening: 0.76% of it is past due or on nonaccrual, up from 0.22% a year earlier. Costs are the weak spot: it spends about 68 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Vallant Bank reported a CET1 capital ratio of 12.05%, a return on assets of 1.18%, a nonperforming-loan ratio of 0.51% and a Texas ratio of 4.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 884 Elbert St, Elberton, GA 30635
- County
- Elbert
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- March 12, 1934
- Former names
- Pinnacle Bank (2001-2026); Pinnacle Bank, National Association (1998-2001)
- Offices
- 36 domestic
- Employees (FTE)
- 579
- Domestic deposits
- $3.46B
- Allowance for credit losses
- $38.1M
- Net charge-offs (YTD)
- $872K
- Average total assets
- $4.06B
- Average total loans
- $2.94B
- Average interest-bearing deposits
- $2.42B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 14, 1934
- FDIC Cert
- 14065
- Fed RSSD
- 366238
- SEC CIK
- 910678 → filed by VALLANT FINANCIAL, INC.
- Website
- www.vallant.bank →
- Parent Holding Company
- VALLANT FINANCIAL, INC. (RSSD 3145966)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Vallant Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Vallant 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Vallant Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Vallant Bank
- Morris Bank, effective April 1, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.05% | 1.18% | 0.51% | 4.00% | 4.77% |
| Q1 2026 | 11.52% | 1.15% | 0.12% | 2.24% | 4.30% |
| Q4 2025 | 11.63% | 1.45% | 0.17% | 1.86% | 4.31% |
| Q3 2025 | 11.59% | 1.28% | 0.06% | 0.30% | 4.34% |
| Q2 2025 | 11.75% | 1.21% | 0.08% | 0.71% | 4.15% |
| Q1 2025 | 11.75% | 1.13% | 0.07% | 0.60% | 3.94% |
| Q4 2024 | 11.68% | 1.34% | 0.08% | 0.91% | 3.89% |
| Q3 2024 | 11.72% | 1.36% | 0.11% | 0.94% | 3.74% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 36 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Morris Bank Branch | Dublin , GA | 31021 | $303.1M |
| Vallant Bank (main office) | Elberton , GA | 30635 | $252.9M |
| Dublin Mall Branch | Dublin , GA | 31021 | $229.5M |
| Gray Branch | Gray , GA | 31032 | $210.4M |
| Farmers & Merchants Branch | Statesboro , GA | 30458 | $208.8M |
| Hartwell Branch | Hartwell , GA | 30643 | $176.3M |
| Liberty First Bank Mo Branch | Monroe , GA | 30655 | $175.7M |
| S. Houston Lake Road Office Branch | Warner Robins , GA | 31088 | $158.5M |
| Braselton Branch | Braselton , GA | 30517 | $139.7M |
| Downtown Branch | Elberton , GA | 30635 | $133.8M |
| Gainesville Branch | Gainesville , GA | 30501 | $132.3M |
| Royston Branch | Royston , GA | 30662 | $129.4M |
| Morris Bank - Perry Office Branch | Perry , GA | 31069 | $110.7M |
| Clarkesville Branch | Clarkesville , GA | 30523 | $103.8M |
| Covington Branch | Covington , GA | 30014 | $102.9M |
| Blairsville Branch | Blairsville , GA | 30512 | $95.7M |
| Lavonia Branch | Lavonia , GA | 30553 | $81.5M |
| Georgia Central Bank Branch | Social Circle , GA | 30025 | $76.2M |
| North Parker Avenue Branch | Brooklet , GA | 30415 | $65.9M |
| North Elm Street Branch | Commerce , GA | 30529 | $59.1M |
| Monroe Branch | Monroe , GA | 30655 | $55.6M |
| Highway 96 Office | Warner Robins , GA | 31088 | $53.2M |
| Lexington Branch | Lexington , GA | 30648 | $52.4M |
| Athens Branch | Athens , GA | 30606 | $46.0M |
| Brannen Street Branch | Statesboro , GA | 30458 | $42.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2026 | Structure Change | Acquired Morris Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2021 | Structure Change | Acquired Liberty First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2020 | Structure Change | Acquired Southern Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 11, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 11, 2016 | Structure Change | Acquired Independence Bank of Georgia Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2007 | Structure Change | Acquired Georgia Central Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1998 | Structure Change | Acquired Pinnacle Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1984 | Structure Change | Acquired The American Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 14 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Vallant Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.9% of deposits in GA, rank 15 of 179 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,228 applications, 851 loans originated, $282.9M originated, across 11 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 12 loans, $14.7M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Vallant Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Vallant Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Vallant Bank
What are Vallant Bank's total assets?
As of the Q2 2026 filing, Vallant Bank reported total assets of $3.99 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Vallant Bank headquartered?
Vallant Bank is headquartered in Elberton, GA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Vallant Bank founded?
Vallant Bank was established in 1934, per the FDIC institution directory.
Is Vallant Bank FDIC-insured?
Yes. Vallant Bank is an FDIC-insured commercial bank (FDIC Certificate #14065). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Vallant Bank?
Vallant Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Vallant Bank's CET1 capital ratio?
Vallant Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.05% in its Q2 2026 call report, above regulatory requirements.
How many branches does Vallant Bank operate?
Vallant Bank operates 36 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Vallant Bank's Texas Ratio?
Vallant Bank's Texas Ratio is 4.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Vallant Bank previously called?
The charter now named Vallant Bank has also operated as Pinnacle Bank (2001-2026), Pinnacle Bank, National Association (1998-2001), per FDIC structure-change records.
Go deeper on Vallant Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Vallant Bank, freeFree account