BlastPoint's Banking Scorecard
Valliance Bank
Oklahoma City, OK
6 branches across OK · TX
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
- Deposits +18.4% year over year ($733.0M on the books).
- Delinquency rate 1.60%.
- Return on assets 0.63%.
- Efficiency ratio 69.16% vs a 64.48% peer average.
- Loan-to-deposit ratio 105.31% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Valliance Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.11% above tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 27.35% above tier average
- - ROA 0.69% below tier average
- - Efficiency Ratio 4.68% above tier average
- - Delinquency Rate 0.68% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$923.3M
+22.5% YoY
+9.8% QoQ
|
+$536.7M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
Top 2.9% in tier |
| Total Loans ? |
$771.9M
+24.3% YoY
+11.0% QoQ
|
+$513.6M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
Top 0.7% in tier |
| Total Deposits ? |
$733.0M
+18.4% YoY
+3.5% QoQ
|
+$406.3M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
Top 4.8% in tier |
| Return on Assets ? |
0.63%
-52.6% YoY
-39.4% QoQ
|
-0.69% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
16% |
| Net Interest Margin ? |
4.09%
-5.1% YoY
-6.4% QoQ
|
+0.11% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
59% |
| Efficiency Ratio ? |
69.16%
+4.9% YoY
+5.6% QoQ
|
+4.68% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
32% |
| Delinquency Rate ? |
1.60%
+417.6% YoY
+494.4% QoQ
|
+0.68% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
105.31%
+5.0% YoY
+7.3% QoQ
|
+27.35% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
Bottom 5.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.57%
-7.0% YoY
-7.8% QoQ
|
+1.54% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
61% |
| Nonperforming Asset Ratio ? |
1.34%
+354.3% YoY
+500.9% QoQ
|
+0.67% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 14.4% in tier |
| Tier 1 Capital Ratio ? |
9.31%
-2.5% YoY
-6.0% QoQ
|
-6.60% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
Bottom 3.1% in tier |
| Non-Interest Income / Assets ? |
0.12%
-15.0% YoY
+45.7% QoQ
|
-0.45% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
24% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
23.6%
-1.8pp YoY -2.0pp QoQ |
+1.4pp | 22.1% | 23.9% | 22.2% | 61% |
| Brokered Deposits |
28.8%
+2.7pp YoY 0.0pp QoQ |
+21.0pp | 7.9% | 9.7% | 8.5% | 96% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
27.3%
-0.7pp YoY -0.6pp QoQ |
+15.7pp | 11.6% | 15.7% | 12.5% | 95% |
| CRE |
56.3%
+3.5pp YoY +3.2pp QoQ |
+16.8pp | 39.5% | 42.0% | 41.4% | 80% |
| 1-4 Family |
12.4%
-3.3pp YoY -1.7pp QoQ |
-20.2pp | 32.6% | 24.0% | 31.3% | 14% |
| Consumer |
0.2%
-0.1pp YoY 0.0pp QoQ |
-3.9pp | 4.1% | 5.6% | 5.0% | 8% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
9.3%
-0.2pp YoY -0.6pp QoQ |
-2.9pp | 12.2% | 11.7% | 12.6% | 17% |
| Total Capital Ratio | n/a | n/a | 19.9% | 18.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
103
+8 (+8.4%) YoY +3 (+3.0%) QoQ |
+44 | 58 | 150 | 482 | 88% |
| Assets per Employee ($) |
$9.0M
+13.0% YoY +6.6% QoQ |
+$1.4M | $7.5M | $6.5M | $8.8M | 79% |
| Branch Count |
6
+1 (+20.0%) YoY 0 QoQ |
+1 | 4 | 8 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.9% | 0.4% | n/a |
| Nonaccrual |
1.6%
+1.3pp YoY +1.3pp QoQ |
+0.7pp | 0.9% | 1.5% | 1.0% | 83% |
| Allowance Coverage |
0.71x
-82.1% YoY -83.5% QoQ |
-23.44x | 24.15x | 61.99x | 20.23x | 18% |
| Net Charge-off Rate (YTD) |
-0.1%
-0.1pp YoY +0.1pp QoQ |
-0.2pp | 0.1% | 0.2% | 0.2% | 3% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.8%
-8.0pp YoY -4.0pp QoQ |
-5.4pp | 12.2% | 11.9% | 11.6% | 20% |
| Cost of Funds (YTD) |
2.3%
-0.2pp YoY 0.0pp QoQ |
+0.5pp | 1.7% | 1.8% | 1.7% | 83% |
| Net Income ($, YTD) |
$2.7M
-44.5% YoY — QoQ |
+$131K | $2.6M | $8.7M | $40.4M | 65% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.