Vallant Bank
Elberton, GA · Cert 14065 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Vallant Financial Inc.
State charter, non-member · FDIC · 36 branches
Q2 2026
$4.0BAssets
$3.0BLoans
$3.5BDeposits
$488.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 88% of banks $1B-$10B in assets operating in a single state (rank 30 of 258).
- Widest gap: return on equity trails 83% of banks $1B-$10B in assets operating in a single state (rank 215 of 258).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.96%
Rank 187 of 258
Net Interest Margin
4.30%
Rank 30 of 258
Efficiency Ratio
68.70%
Rank 188 of 257
Equity / Assets
12.26%
Rank 52 of 258
Non-interest income vs. expense
Unfavorable gap of $78.5M · efficiency ratio beats 27% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.96% | 0.93% | 1.23% | 1.54% | Beats 28% | 187 / 258 | | |
| Return on Equity | 7.81% | 9.26% | 11.84% | 14.74% | Beats 17% | 215 / 258 | | |
| Net Interest Margin | 4.30% | 3.16% | 3.49% | 3.88% | Beats 88% | 30 / 258 | | |
| Efficiency Ratio | 68.70% | 51.71% | 60.30% | 69.65% | Beats 27% | 188 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.51% | 0.19% | 0.46% | 0.90% | Beats 44% | 145 / 258 | | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.02% | 0.07% | Beats 41% | 154 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 12.04% | 11.41% | 12.98% | 15.12% | Beats 34% | 169 / 258 | | |
| Total Risk-Based Capital Ratio | 13.27% | 12.10% | 13.91% | 16.08% | Beats 41% | 152 / 258 | | |
| Equity / Assets | 12.26% | 9.09% | 10.24% | 11.72% | Beats 80% | 52 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.29% | 73.24% | 86.34% | 95.95% | 50th pctl | 130 / 258 | | |
| Loans / Assets | 74.90% | 63.01% | 72.27% | 78.40% | 59th pctl | 107 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |