Oklahoma City, OK · Cert 57841 · Valliance Financial Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 1.0% share · #18 of 71 inst. · $0.6B of $60.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.96% | 1.49% | 1.17% | 4.59% | 0.94% | 1.04% | 0.25% | -92 bps | |
| Return on Equity | 8.03% | 10.94% | 16.63% | 12.90% | 47.82% | 9.42% | 10.75% | 2.81% | -1,009 bps | |
| Net Interest Margin | 3.67% | 3.69% | 3.53% | 4.57% | 8.74% | 3.99% | 4.15% | 3.69% | -88 bps | |
| Efficiency Ratio | 74.13% | 72.55% | 75.77% | 58.51% | 60.32% | 19.09% | 65.49% | 73.14% | +1,463 bps | |
| Non-Interest Burden | 2.65% | 2.52% | 2.61% | 2.54% | 5.18% | 0.58% | 2.60% | 2.65% | +11 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 / Loans | 0.00% | 0.00% | 0.00% | 0.31% | 0.39% | 0.27% | 0.27% | 1.58% | +128 bps | |
| Net Charge-Offs / Loans | 0.18% | -0.05% | -0.04% | -0.01% | -0.01% | 0.35% | -0.24% | 0.03% | +4 bps | |
| Allowance / Loans | 1.10% | 1.11% | 1.12% | 1.21% | 1.23% | 1.13% | 1.15% | 1.12% | -8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 4.0x | 3.2x | 4.2x | 4.3x | 0.7x | -3.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.26% | 9.66% | 9.52% | 9.54% | 10.41% | 10.19% | 9.90% | 9.31% | -24 bps | |
| Total Risk-Based Capital | 9.26% | 9.66% | 9.52% | 9.54% | 10.41% | 10.19% | 9.90% | 9.31% | -24 bps | |
| Equity / Assets | 8.68% | 8.82% | 9.10% | 9.01% | 10.17% | 9.87% | 9.43% | 8.57% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.58% | 97.41% | 99.48% | 101.54% | 99.14% | 97.72% | 99.27% | 106.50% | +496 bps | |
| Liquid Assets / Assets | 3.87% | 7.01% | 3.74% | 4.43% | 6.44% | 3.89% | 4.27% | 3.48% | -95 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 421% | 439% | 456% | n/a | n/a | |