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
Unfavorable gap of $22.3M · efficiency ratio beats 40% of banks under $1B in assets in the Oklahoma City, OK area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.58% | 0.60% | 0.90% | 1.27% | Beats 20% | 20 / 25 | | |
| Return on Equity | 6.79% | 6.92% | 9.16% | 13.29% | Beats 20% | 20 / 25 | | |
| Net Interest Margin | 3.79% | 3.56% | 3.82% | 4.10% | Beats 40% | 15 / 25 | | |
| Efficiency Ratio | 69.16% | 56.35% | 63.12% | 79.22% | Beats 40% | 16 / 25 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.58% | 0.33% | 0.76% | 2.35% | Beats 40% | 16 / 25 | | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.00% | 0.05% | Beats 48% | 14 / 25 | | |
| Capital |
| Tier 1 Capital Ratio | 9.31% | 10.27% | 12.02% | 13.99% | Beats 8% | 23 / 25 | | |
| Total Risk-Based Capital Ratio | 9.31% | 10.27% | 12.44% | 15.25% | Beats 8% | 23 / 25 | | |
| Equity / Assets | 8.57% | 8.64% | 10.07% | 11.05% | Beats 20% | 20 / 25 | | |
| Liquidity & Funding |
| Loans / Deposits | 106.50% | 70.71% | 82.03% | 97.03% | 92nd pctl | 2 / 25 | | |
| Loans / Assets | 84.56% | 62.67% | 74.54% | 84.24% | 76th pctl | 6 / 25 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |