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Valliance Bank

Oklahoma City, OK · Cert 57841 · Valliance Financial Corp.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Oklahoma City, OK area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Oklahoma City, OK area (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

12

Q2 2024Q2 2026peer median (50)

Asset Quality

44

Q2 2024Q2 2026peer median (50)

Profitability

27

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

40

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Valliance Bank

Oklahoma City, OK · Cert 57841 · Valliance Financial Corp.

State charter, non-member · FDIC · 6 branches

Q2 2026

$923.3MAssets
$780.7MLoans
$733.0MDeposits
$79.1MEquity
Loan mix
71%RE $481.5M29%C&I $193.7M0%Consumer $1.7MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $560.2M24%Noninterest $172.8MQ3 2024Q2 2026

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 1.0% share · #18 of 71 inst. · $0.6B of $60.8B

1.0% Oklahoma
2.2% Cleveland
0.2% Collin
0.1% Tarrant

Executive Summary

  • Earnings: ROA of 0.63%, down 70 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 1.58% of loans (+128 bps YoY), with net recoveries of 0.09%.
  • Capital: tier 1 leverage ratio of 9.31%, down 24 bps from a year ago.
  • Funding: loans stand at 106.50% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.63%-70 bps YoY

Net Interest Margin (YTD, annualized)

3.79%-21 bps YoY

Efficiency Ratio (YTD, annualized)

69.16%+324 bps YoY

Tier 1 Leverage Ratio

9.31%-24 bps YoY

NIM

5.83%Q2 ’246.34%Q2 ’255.89%Q2 ’26+14%-5%

Non-interest income vs. expense

3.01%Q2 ’242.82%Q2 ’252.79%Q2 ’26-5%+0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.57%0.67%1.49%1.33%2.44%2.05%1.04%0.63%-70 bps
Return on Equity6.48%7.66%16.63%14.75%26.30%21.74%10.75%6.78%-797 bps
Net Interest Margin3.51%3.49%3.53%4.00%5.51%4.96%4.15%3.79%-21 bps
Efficiency Ratio76.78%75.61%75.77%65.92%63.02%54.13%65.49%69.16%+324 bps
Non-Interest Burden2.62%2.55%2.61%2.54%3.38%2.57%2.60%2.54%0 bps
Growth
Asset Growth (YoY)10.60%14.78%12.48%12.87%9.81%12.51%15.94%22.51%+964 bps
Loan Growth (YoY)7.57%8.98%8.68%7.24%6.69%14.84%15.07%24.21%+1,697 bps
Deposit Growth (YoY)9.73%14.10%19.70%13.01%7.17%14.47%15.32%18.42%+541 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.31%0.39%0.27%0.27%1.58%+128 bps
Net Charge-Offs / Loans0.14%0.09%-0.04%-0.03%-0.02%0.07%-0.24%-0.09%-7 bps
Allowance / Loans1.10%1.11%1.12%1.21%1.23%1.13%1.15%1.12%-8 bps
Allowance Coverage of NPLsn/an/an/a4.0x3.2x4.2x4.3x0.7x-3.2x
Capital
Tier 1 Leverage Ratio9.26%9.66%9.52%9.54%10.41%10.19%9.90%9.31%-24 bps
Total Risk-Based Capital9.26%9.66%9.52%9.54%10.41%10.19%9.90%9.31%-24 bps
Equity / Assets8.68%8.82%9.10%9.01%10.17%9.87%9.43%8.57%-44 bps
Liquidity & Funding
Loans / Deposits99.58%97.41%99.48%101.54%99.14%97.72%99.27%106.50%+496 bps
Liquid Assets / Assets3.87%7.01%3.74%4.43%6.44%3.89%4.27%3.48%-95 bps
CRE / Total Capitaln/an/an/an/a421%439%456%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Valliance Bank

Oklahoma City, OK · Cert 57841 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25) · Valliance Financial Corp.

State charter, non-member · FDIC · 6 branches

Q2 2026

$923.3MAssets
$780.7MLoans
$733.0MDeposits
$79.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 48% of banks under $1B in assets in the Oklahoma City, OK area (rank 14 of 25).
  • Widest gap: total risk-based capital ratio trails 92% of banks under $1B in assets in the Oklahoma City, OK area (rank 23 of 25).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.58%

Rank 20 of 25

Net Interest Margin

3.79%

Rank 15 of 25

Efficiency Ratio

69.16%

Rank 16 of 25

Equity / Assets

8.57%

Rank 20 of 25

Non-interest income vs. expense

$2.2M$24.4MINCOMEEXPENSE
Unfavorable gap of $22.3M · efficiency ratio beats 40% of banks under $1B in assets in the Oklahoma City, OK area
Bank 69.16%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.58%0.60%0.90%1.27%Beats 20%20 / 25
Return on Equity6.79%6.92%9.16%13.29%Beats 20%20 / 25
Net Interest Margin3.79%3.56%3.82%4.10%Beats 40%15 / 25
Efficiency Ratio69.16%56.35%63.12%79.22%Beats 40%16 / 25
Asset Quality
Nonperforming Loans / Loans1.58%0.33%0.76%2.35%Beats 40%16 / 25
Net Charge-Offs / Loans0.02%n/a0.00%0.05%Beats 48%14 / 25
Capital
Tier 1 Capital Ratio9.31%10.27%12.02%13.99%Beats 8%23 / 25
Total Risk-Based Capital Ratio9.31%10.27%12.44%15.25%Beats 8%23 / 25
Equity / Assets8.57%8.64%10.07%11.05%Beats 20%20 / 25
Liquidity & Funding
Loans / Deposits106.50%70.71%82.03%97.03%92nd pctl2 / 25
Loans / Assets84.56%62.67%74.54%84.24%76th pctl6 / 25
Brokered Deposits / Depositsn/aNot reported for this institution