BlastPoint's Banking Scorecard

Vallant Bank

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

Designations: ✓ Community bank

Elberton, GA

36 branches across GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in GA.
Deposits +70.4% year over year ($3.5B on the books).
Delinquency rate 0.51%.
Return on assets 1.33%.
Efficiency ratio 68.41% vs a 59.73% peer average.
Loan-to-deposit ratio 85.19% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 12 in GA

View $1B-$10B leaderboard (GA) →

Vallant Bank has 2 strengths but faces 2 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

+ Deposit Franchise: Top 45.0% in tier
+ Delinquency Rate 0.35% below tier average

Key Concerns

Areas that may need attention

- ROA 0.06% below tier average
- Efficiency Ratio 8.68% above tier average

Get updates when Vallant Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$4.0B +76.5% YoY +69.9% QoQ	+$1.2B	$2.8B -0.6% YoY	$843.5M +13.2% YoY	$6.3B +7.7% YoY	80%
Total Loans ?	$2.9B +84.1% YoY +70.2% QoQ	+$983.7M	$2.0B -0.3% YoY	$581.6M +14.3% YoY	$3.2B +9.4% YoY	82%
Total Deposits ?	$3.5B +70.4% YoY +65.4% QoQ	+$1.1B	$2.3B -0.5% YoY	$711.6M +12.3% YoY	$4.9B +7.3% YoY	81%
Return on Assets ?	1.33% +11.3% YoY +13.1% QoQ	-0.06%	1.39% +17.0% YoY	1.55% +0.3% YoY	1.30% +12.1% YoY	57%
Net Interest Margin ?	4.97% +19.4% YoY +12.5% QoQ	+1.09%	3.87% +6.2% YoY	4.42% +1.2% YoY	3.95% +4.9% YoY	Top 5.4% in tier
Efficiency Ratio ?	68.41% +3.6% YoY +0.5% QoQ	+8.68%	59.73% -12.6% YoY	63.07% +1.6% YoY	70.05% +2.5% YoY	24%
Delinquency Rate ?	0.51% +499.8% YoY +331.9% QoQ	-0.35%	0.87% +11.7% YoY	0.77% +14.9% YoY	0.98% +16.3% YoY	51%
Loan-to-Deposit Ratio ?	85.19% +8.1% YoY +2.9% QoQ	+0.16%	85.04% -0.1% YoY	78.13% +10.7% YoY	79.03% +2.3% YoY	55%
Non-Interest-Bearing Deposit Share ?	29.35% -4.5% YoY -9.1% QoQ	+8.08%	21.27% -1.5% YoY	26.00% -3.3% YoY	21.98% -0.6% YoY	84%
Nonperforming Asset Ratio ?	0.39% +551.3% YoY +68.0% QoQ	-0.28%	0.67% +11.7% YoY	0.54% +11.1% YoY	0.69% +15.8% YoY	52%
Tier 1 Capital Ratio ?	12.04% +2.5% YoY +4.5% QoQ	-2.80%	14.84% -0.4% YoY	19.50% +7.6% YoY	17.09% +0.8% YoY	34%
Non-Interest Income / Assets ?	0.46% -7.1% YoY +77.1% QoQ	-0.07%	0.53% +2.5% YoY	0.44% +3.6% YoY	0.66% +5.2% YoY	76%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Noninterest-Bearing	29.4% -1.4pp YoY -2.9pp QoQ	+8.0pp	21.4%	26.2%	22.2%	83%
Brokered Deposits	n/a	n/a	9.5%	7.5%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
C&I	7.1% -1.3pp YoY -1.0pp QoQ	-6.9pp	14.0%	9.7%	12.5%	29%
CRE	57.3% +3.3pp YoY +4.1pp QoQ	+7.3pp	50.0%	48.9%	41.4%	69%
1-4 Family	22.3% +1.5pp YoY +1.3pp QoQ	-4.1pp	26.4%	31.7%	31.3%	48%
Consumer	0.9% -0.5pp YoY -0.3pp QoQ	-3.8pp	4.7%	4.8%	5.0%	42%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
CET1 Ratio	12.0% +0.3pp YoY +0.5pp QoQ	-3.6pp	15.6%	20.9%	19.7%	24%
Leverage Ratio	12.7% +3.4pp YoY +3.1pp QoQ	+1.4pp	11.3%	14.0%	12.6%	82%
Total Capital Ratio	13.3% +0.3pp YoY +0.6pp QoQ	-3.4pp	16.7%	22.1%	20.8%	27%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Full-Time Employees	579 +203 (+54.0%) YoY +189 (+48.5%) QoQ	+265	313	98	482	88%
Assets per Employee ($)	$6.9M +14.6% YoY +14.4% QoQ	-$3.6M	$10.5M	$7.5M	$8.8M	23%
Branch Count	36 +10 (+38.5%) YoY +10 (+38.5%) QoQ	+16	20	6	18	87%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.1%	0.4%	n/a
Nonaccrual	0.5% +0.4pp YoY +0.4pp QoQ	-0.3pp	0.8%	0.8%	1.0%	50%
Allowance Coverage	2.52x -83.5% YoY -75.9% QoQ	-16.19x	18.71x	38.10x	20.23x	58%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	63%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
ROE	12.2% -1.2pp YoY +0.1pp QoQ	-0.4pp	12.6%	13.6%	11.6%	50%
Cost of Funds (YTD)	1.4% +0.1pp YoY +0.3pp QoQ	-0.6pp	1.9%	1.6%	1.7%	16%
Net Income ($, YTD)	$19.1M +42.6% YoY — QoQ	-$163K	$19.2M	$6.6M	$40.4M	68%

Get Full Access to Vallant Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (1)

Deposit Franchise

growth

#37 of 80 • Top 45.0% 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: 29.35%

(Tier: 21.27%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.97%

(Tier: 3.87%, National: 3.95%)

better than tier avg

80 of 80 Mid-Market banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

Net Interest Margin

profitability

Value: 4.97%

Peer Median: 3.87%

#49 of 885 Top 5.4% in $1B-$10B

147

Non-Interest-Bearing Deposit Share

funding

Value: 29.35%

Peer Median: 21.27%

#147 of 885 Top 16.5% in $1B-$10B

161

Total Loans

size

Value: $2.95B

Peer Median: $1.96B

#161 of 885 Top 18.1% in $1B-$10B

166

Total Deposits

size

Value: $3.46B

Peer Median: $2.32B

#166 of 885 Top 18.6% in $1B-$10B

176

Total Assets

size

Value: $3.99B

Peer Median: $2.79B

#176 of 885 Top 19.8% in $1B-$10B

210

Non-Interest Income / Assets

revenue_mix

Value: 0.46%

Peer Median: 0.53%

#210 of 885 Top 23.6% in $1B-$10B

Top Weaknesses (1 metrics)

675

Efficiency Ratio

profitability

Value: 68.41%

Peer Median: 59.73%

#675 of 885 Bottom 23.8% in $1B-$10B