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Vallant Bank

$1B-$10B Specialty: Commercial GA FDIC cert 14065

Designations: ✓ Community bank

Elberton, GA

36 branches across GA

884 banks in the $1B-$10B peer group nationally 11 in GA
View $1B-$10B leaderboard (GA) →

Vallant Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 21.8% in tier
  • + Deposit Franchise: Top 59.3% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 8.2% in tier
  • - Capital Thin: Bottom 44.3% in tier
  • - ROA 0.19% below tier average
  • - Efficiency Ratio 7.02% above tier average
Get updates when Vallant Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $2.3B
+3.7% YoY +3.5% QoQ
-$470.1M $2.8B
-0.1% YoY
$814.8M
+10.0% YoY
$6.2B
+9.1% YoY
58%
Total Loans ? $1.7B
+10.9% YoY +3.3% QoQ
-$233.9M $2.0B
+0.6% YoY
$550.6M
+10.4% YoY
$3.2B
+10.8% YoY
61%
Total Deposits ? $2.1B
+2.7% YoY +3.8% QoQ
-$251.7M $2.3B
-0.3% YoY
$689.3M
+8.9% YoY
$4.8B
+8.2% YoY
61%
Return on Assets ? 1.18%
+2.0% YoY -9.0% QoQ
-0.19% 1.37%
+19.6% YoY
1.50%
+0.6% YoY
1.23%
+13.4% YoY
46%
Net Interest Margin ? 4.41%
+9.1% YoY +2.8% QoQ
+0.60% 3.82%
+6.9% YoY
4.36%
+2.3% YoY
3.89%
+5.7% YoY
Top 14.3% in tier
Efficiency Ratio ? 68.08%
+2.5% YoY +3.2% QoQ
+7.02% 61.06%
-4.6% YoY
62.13%
-1.5% YoY
66.95%
-4.1% YoY
26%
Delinquency Rate ? 0.12%
+64.0% YoY -29.2% QoQ
-0.77% 0.89%
+14.1% YoY
0.81%
+32.9% YoY
0.95%
+18.8% YoY
Top 13.0% in tier
Loan-to-Deposit Ratio ? 82.76%
+8.0% YoY -0.5% QoQ
-1.45% 84.20%
+0.3% YoY
71.10%
+2.8% YoY
76.70%
+0.9% YoY
60%
Non-Interest-Bearing Deposit Share ? 32.30%
+7.5% YoY +0.7% QoQ
+11.01% 21.29%
-2.5% YoY
26.76%
-3.7% YoY
22.01%
-1.2% YoY
Top 12.1% in tier
Nonperforming Asset Ratio ? 0.23%
+369.9% YoY +10.9% QoQ
-0.44% 0.67%
+15.6% YoY
0.56%
+24.4% YoY
0.67%
+19.3% YoY
70%
Tier 1 Capital Ratio ? 11.52%
-2.0% YoY -1.0% QoQ
-3.64% 15.16%
+2.0% YoY
17.30%
-0.8% YoY
17.06%
+0.8% YoY
24%
Non-Interest Income / Assets ? 0.26%
+7.1% YoY -74.8% QoQ
+0.00% 0.26%
+1.6% YoY
0.21%
+3.2% YoY
0.32%
+4.1% YoY
81%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Credit Quality Leader

growth
#49 of 220 • Top 21.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.12%
(Tier: 0.89%, National: 0.95%)
better than tier avg
220 of 220 Mid-Market banks match · 922 nationally
→ Stable +2 banks QoQ | QoQ rank declining

Deposit Franchise

growth
#52 of 86 • Top 59.3% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 32.30%
(Tier: 21.29%, National: 22.01%)
better than tier avg
Net Interest Margin: 4.41%
(Tier: 3.82%, National: 3.89%)
better than tier avg
86 of 86 Mid-Market banks match · 369 nationally
→ Stable -14 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk
#43 of 513 • Bottom 8.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.12%
(Tier: 0.89%, National: 0.95%)
better than tier avg
513 of 513 Mid-Market banks match · 1899 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Capital Thin

risk
#99 of 221 • Bottom 44.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 11.52%
(Tier: 15.16%, National: 17.06%)
worse than tier avg
221 of 221 Mid-Market banks match · 926 nationally
→ Stable +3 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (4 metrics)

108
Non-Interest-Bearing Deposit Share
funding
Value: 32.30%
Peer Median: 21.29%
#108 of 884 Top 12.1% in $1B-$10B
115
Delinquency Rate
credit_quality
Value: 0.12%
Peer Median: 0.89%
#115 of 880 Top 13.0% in $1B-$10B
127
Net Interest Margin
profitability
Value: 4.41%
Peer Median: 3.82%
#127 of 884 Top 14.3% in $1B-$10B
167
Non-Interest Income / Assets
revenue_mix
Value: 0.26%
Peer Median: 0.26%
#167 of 884 Top 18.8% in $1B-$10B

Top Weaknesses (1 metrics)

670
Tier 1 Capital Ratio
capital
Value: 11.52%
Peer Median: 15.16%
#670 of 884 Bottom 24.3% in $1B-$10B
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