BlastPoint's Banking Scorecard

Valliance Bank

$100M-$1B Specialty: Commercial OK FDIC cert 57841

Oklahoma City, OK

7 branches across OK · TX

2664 banks in the $100M-$1B peer group nationally 107 in OK

Valliance Bank has 2 strengths but faces 3 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

+ Net Interest Margin 0.44% above tier average
+ Delinquency Rate 0.62% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 30.8% in tier
- Credit Quality Pressure: Bottom 36.0% in tier
- Efficiency Ratio 0.20% above tier average

Get updates when Valliance Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$840.7M +15.9% YoY +4.7% QoQ	+$454.6M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	Top 6.4% in tier
Total Loans ?	$695.2M +15.0% YoY +4.4% QoQ	+$439.5M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	Top 2.6% in tier
Total Deposits ?	$708.5M +15.3% YoY +2.8% QoQ	+$380.5M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	Top 6.2% in tier
Return on Assets ?	1.04% -30.5% YoY -49.3% QoQ	-0.23%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	40%
Net Interest Margin ?	4.37% +16.4% YoY -21.4% QoQ	+0.44%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	77%
Efficiency Ratio ?	65.49% -13.6% YoY +21.0% QoQ	+0.20%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	43%
Delinquency Rate ?	0.27% -0.6% QoQ	-0.62%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	59%
Loan-to-Deposit Ratio ?	98.13% -0.2% YoY +1.6% QoQ	+21.49%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	Bottom 10.8% in tier
Non-Interest-Bearing Deposit Share ?	25.56% +10.6% YoY +2.3% QoQ	+3.54%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	68%
Nonperforming Asset Ratio ?	0.22% +438.2% YoY -15.0% QoQ	-0.42%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	57%
Tier 1 Capital Ratio ?	9.90% +4.0% YoY -2.9% QoQ	-5.93%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	Bottom 8.6% in tier
Non-Interest Income / Assets ?	0.08% +30.2% YoY -66.4% QoQ	-0.20%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	39%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Margin Compression

decline

#95 of 305 • Bottom 30.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.04%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Credit Quality Pressure

risk

#472 of 1308 • Bottom 36.0% in tier

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

Why this signature

Delinquency Rate: 0.27%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Total Loans

size

Value: $695.25M

Peer Median: $255.72M

#69 of 2664 Top 2.6% in $100M-$1B

167

Total Deposits

size

Value: $708.49M

Peer Median: $327.97M

#167 of 2664 Top 6.2% in $100M-$1B

171

Total Assets

size

Value: $840.67M

Peer Median: $386.08M

#171 of 2664 Top 6.4% in $100M-$1B

624

Net Interest Margin

profitability

Value: 4.37%

Peer Median: 3.93%

#624 of 2664 Top 23.4% in $100M-$1B

Top Weaknesses (2 metrics)

2435

Tier 1 Capital Ratio

capital

Value: 9.90%

Peer Median: 15.83%

#2435 of 2664 Bottom 8.6% in $100M-$1B

2378

Loan-to-Deposit Ratio

liquidity

Value: 98.13%

Peer Median: 76.64%

#2378 of 2664 Bottom 10.8% in $100M-$1B