Advertisement
Vallant Bank
Elberton, GA · FDIC Certificate #14065 · Chartered 03/1
Total assets
$3.99B
Total deposits
$3.46B
Total equity
$488.69M
Net loans
$2.95B
Branches (offices)
36
Net income (YTD)
$19.08M
Rank: #337 of 4,213 U.S. banks by assets · #4 of 123 in Georgia. Assets changed 76.5% and deposits 70.4% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.33% |
| Return on equity | 12.22% |
| Net interest margin (YTD) | 4.97% |
| Equity to assets | 12.26% |
| Tier 1 leverage ratio | 12.70% |
| Uninsured deposits (share of deposits) | 20.6% |
| Noncurrent loans (share of loans) | 0.51% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 85.2% |
| Real estate loans (share of loans) | 92.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.72B | 92.4% | |
| Commercial & industrial | $210.37M | 7.1% | |
| Consumer / individual | $25.94M | 0.9% | |
| Construction & development | $383.45M | 13.0% | |
| Agricultural | $7.93M | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.04B | $1.86B | $11.02M | $160.38M |
| Jun 2023 | $2.04B | $1.80B | $10.85M | $166.84M |
| Jun 2024 | $2.16B | $1.93B | $11.35M | $182.24M |
| Jun 2025 | $2.26B | $2.03B | $13.38M | $206.45M |
| Jun 2026 | $3.99B | $3.46B | $19.08M | $488.69M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $3.46B | 36 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.46B.
Similar-sized banks
Central Bank & Trust Co. ($4.01B) · Rcb Bank ($3.98B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement