Valliance Bank
Oklahoma City, OK·RSSD 3267738·FDIC 57841·bank:3267738·CBLR opted in
- #30 of 171Total assets in Oklahoma
- 6offices
- 103employees
- Top 5%Loan growth in the U.S.
- Top 7%Deposit growth in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Valliance Bank
7 of 24 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Net interest margin narrowing while the peer median widensWorth a look: Earnings3.88%peers 3.99%-11 bps
Valliance Bank's net interest margin fell 102 bps over the past year to 3.88%. Among 1433 similar banks, the median rose 23 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 3.88% | 3.99% | -11 bps |
| 12-month change | ||
| -102 bps | +23 bps | -124 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Valliance Bank itself is left out of every peer median and percentile. How signals work
Efficiency ratio rising while the peer median fallsWorth a look: Efficiency73.1%peers 60.8%+12.3 pp
Valliance Bank's efficiency ratio rose 14.6 percentage points over the past year to 73.1%. Among 1432 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 73.1% | 60.8% | +12.3 pp |
| 12-month change | ||
| +14.6 pp | -2.1 pp | +16.7 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Valliance Bank itself is left out of every peer median and percentile. How signals work
Borrowed funding rising while the peer median holds steadyWorth a look: Funding10.4%peers 1.0%+9.4 pp
Valliance Bank's borrowings as a share of assets rose 3.4 percentage points over the past year to 10.4%. Among 1437 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Borrowings as a share of assets | ||
| 10.4% | 1.0% | +9.4 pp |
| 12-month change | ||
| +3.4 pp | 0.0 pp | +3.4 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Valliance Bank itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending+24.2%peers +5.5%+18.7 pp
Valliance Bank's loans grew 24.2% over the past year to $781 million. The median among 1431 similar banks was +5.5%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +24.2% | +5.5% | +18.7 pp |
| Loans | ||
| $781 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Valliance Bank itself is left out of every peer median and percentile. How signals work
Problem loans rising while the peer median holds steadyWorth a look: Asset quality1.58%peers 0.43%+115 bps
Valliance Bank's noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans rose 128 bps over the past year to 1.58%. Among 1431 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans | ||
| 1.58% | 0.43% | +115 bps |
| 12-month change | ||
| +128 bps | 0 bps | +127 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Valliance Bank itself is left out of every peer median and percentile. How signals work
2 more observations
- Return on assets falling while the peer median risesEarnings
- Total assets growing faster than peersGrowth
Key facts
- Valliance Bank is a bank headquartered in Oklahoma City, Oklahoma. It reported $923 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $733 million, up 18.4% from a year earlier, and loans totaled $781 million, up 24.2%.
- Its net interest margin was 3.88% and its annualized return on assets was 0.25% for the quarter.
- Its cost of all deposits was 2.51%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Valliance Bank's own data, FORFI would look at: Which relationships and products drive the change in earnings, and where pricing has drifted.
Analysis workspaces
Sources and identifiers
- Institution
- Valliance Bank · Bank
- Federal Reserve RSSD
- 3267738
- FDIC certificate
- 57841
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Valliance Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $556K | — | |
| $12.93M | — | |
| $4.85M | — | |
| $8.08M | — | |
| $405K | — | |
| $6.21M | — | |
| $774K | — | |
| $1.23M | — | |
| 0.25% | 0.25%ROAQ · Quarter | |
| 3.88% | 3.87%NIMYQ · Quarter | |
| 73.14% | 73.14%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.