Elberton, GA · Cert 14065 · Vallant Financial Inc.
State charter, non-member · FDIC · 36 branches
Q2 2026
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.2% share · #28 of 81 inst. · $0.6B of $255.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 1.22% | 1.15% | 1.20% | 1.23% | 1.29% | 1.18% | 1.33% | +13 bps | |
| Return on Equity | 13.57% | 14.08% | 13.09% | 13.41% | 13.53% | 13.97% | 12.12% | 12.22% | -119 bps | |
| Net Interest Margin | 3.51% | 3.53% | 3.72% | 3.80% | 3.92% | 3.93% | 4.07% | 4.30% | +50 bps | |
| Efficiency Ratio | 65.28% | 64.59% | 66.45% | 66.03% | 66.14% | 65.95% | 68.08% | 68.41% | +237 bps | |
| Non-Interest Burden | 1.94% | 1.90% | 2.14% | 2.17% | 2.25% | 2.23% | 2.42% | 2.47% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.65% | 3.35% | 4.00% | 4.68% | 4.75% | 3.45% | 3.74% | 76.49% | +7,181 bps | |
| Loan Growth (YoY) | 0.01% | 2.30% | 4.27% | 6.09% | 9.61% | 8.58% | 10.77% | 84.11% | +7,802 bps | |
| Deposit Growth (YoY) | 2.78% | 5.87% | 6.20% | 5.22% | 5.70% | 1.91% | 2.67% | 70.36% | +6,514 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.08% | 0.07% | 0.08% | 0.05% | 0.17% | 0.12% | 0.51% | +42 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.06% | 0.01% | 0.04% | 0.04% | 0.05% | 0.03% | 0.06% | +2 bps | |
| Allowance / Loans | 1.34% | 1.30% | 1.31% | 1.29% | 1.25% | 1.24% | 1.23% | 1.28% | -1 bps | |
| Allowance Coverage of NPLs | 11.8x | 17.0x | 18.3x | 15.3x | 23.0x | 7.5x | 10.5x | 2.5x | -12.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.17% | 9.27% | 9.22% | 9.31% | 9.58% | 9.69% | 9.63% | 12.70% | +339 bps | |
| Total Risk-Based Capital | 12.96% | 12.89% | 12.98% | 12.95% | 12.77% | 12.78% | 12.67% | 13.27% | +31 bps | |
| Equity / Assets | 9.26% | 8.78% | 8.85% | 9.14% | 9.64% | 9.85% | 9.58% | 12.26% | +312 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.58% | 79.02% | 77.66% | 79.85% | 83.55% | 84.19% | 83.79% | 86.29% | +644 bps | |
| Liquid Assets / Assets | 3.58% | 4.40% | 6.69% | 4.30% | 0.89% | 1.34% | 2.33% | 3.97% | -33 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 411% | 410% | 412% | n/a | n/a | |