BlastPoint's Banking Scorecard
VALOR BANK
Edmond, OK
VALOR BANK shows strong momentum with 5 strengths and 7.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 40.1% in tier
- + ROA 0.63% above tier average
- + Net Interest Margin 0.66% above tier average
- + Efficiency Ratio 5.03% below tier average
- + Delinquency Rate 0.89% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$305.6M
+7.5% YoY
+6.6% QoQ
|
-$80.4M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
47% |
| Total Loans ? |
$261.3M
+6.7% YoY
+5.1% QoQ
|
+$5.5M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
61% |
| Total Deposits ? |
$266.0M
+6.1% YoY
+8.9% QoQ
|
-$62.0M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
48% |
| Return on Assets ? |
1.90%
+16.0% YoY
-12.0% QoQ
|
+0.63% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
85% |
| Net Interest Margin ? |
4.59%
+9.7% YoY
+1.4% QoQ
|
+0.66% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
84% |
| Efficiency Ratio ? |
60.26%
-1.0% YoY
+4.9% QoQ
|
-5.03% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
59% |
| Delinquency Rate ? |
0.00%
-99.5% YoY
-36.6% QoQ
|
-0.89% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Top 11.8% in tier |
| Loan-to-Deposit Ratio ? |
98.21%
+0.5% YoY
-3.5% QoQ
|
+21.57% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 10.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.87%
+8.4% YoY
-3.9% QoQ
|
-10.15% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 14.6% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-99.5% YoY
-37.5% QoQ
|
-0.64% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Top 11.2% in tier |
| Tier 1 Capital Ratio ? |
11.82%
+7.1% YoY
-1.6% QoQ
|
-4.01% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.20%
+5.0% YoY
-81.4% QoQ
|
-0.08% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
Top 13.3% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.