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Valliance Bank
Oklahoma City, OK · FDIC Certificate #57841 · Chartered 10/2
Total assets
$923.29M
Total deposits
$733.02M
Total equity
$79.14M
Net loans
$771.92M
Branches (offices)
6
Net income (YTD)
$2.69M
Rank: #1,120 of 4,213 U.S. banks by assets · #30 of 168 in Oklahoma. Assets changed 22.5% and deposits 18.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.63% |
| Return on equity | 6.78% |
| Net interest margin (YTD) | 4.09% |
| Equity to assets | 8.57% |
| Tier 1 leverage ratio | 9.31% |
| Uninsured deposits (share of deposits) | 25.6% |
| Noncurrent loans (share of loans) | 1.58% |
| Net charge-offs (share of loans) | -0.10% |
| Loans to deposits | 105.3% |
| Real estate loans (share of loans) | 70.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $541.08M | 70.1% | |
| Commercial & industrial | $210.68M | 27.3% | |
| Consumer / individual | $1.65M | 0.2% | |
| Construction & development | $97.28M | 12.6% | |
| Agricultural | $338.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $551.35M | $467.41M | $2.78M | $49.15M |
| Jun 2023 | $595.23M | $488.85M | $4.14M | $55.71M |
| Jun 2024 | $667.75M | $547.75M | $2.04M | $57.23M |
| Jun 2025 | $753.66M | $619.01M | $4.84M | $67.93M |
| Jun 2026 | $923.29M | $733.02M | $2.69M | $79.14M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $595.32M | 4 |
| Texas | $137.70M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $733.02M.
Similar-sized banks
American Bank & Trust Company, Inc. ($924.41M) · First Northern Bank And Trust Company ($921.49M)
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.
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