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VALOR BANK

$100M-$1B Specialty: Commercial OK FDIC cert 9467

Edmond, OK

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 +3.5% year over year ($262.1M on the books).
  • Delinquency rate 0.32%.
  • Return on assets 2.15%.
  • Efficiency ratio 58.61% vs a 64.48% peer average.
  • Loan-to-deposit ratio 99.81% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 106 in OK
View $100M-$1B leaderboard (OK) →

VALOR BANK has 5 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

  • + Revenue Diversifier: Top 26.9% in tier
  • + Profitability Leader: Top 49.6% in tier
  • + Net Interest Margin 0.78% above tier average
  • + Efficiency Ratio 5.87% below tier average
  • + Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 36.6% in tier
  • - Credit Quality Pressure: Bottom 37.3% in tier
Get updates when VALOR BANK releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $302.6M
+6.5% YoY -1.0% QoQ
-$84.0M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
46%
Total Loans ? $261.6M
+6.5% YoY +0.1% QoQ
+$3.2M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
61%
Total Deposits ? $262.1M
+3.5% YoY -1.5% QoQ
-$64.7M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
47%
Return on Assets ? 2.15%
+6.7% YoY +13.0% QoQ
+0.82% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
Top 9.8% in tier
Net Interest Margin ? 4.77%
+10.0% YoY +3.7% QoQ
+0.78% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
Top 12.5% in tier
Efficiency Ratio ? 58.61%
+0.7% YoY -2.7% QoQ
-5.87% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
61%
Delinquency Rate ? 0.32%
+411.2% YoY
-0.60% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
56%
Loan-to-Deposit Ratio ? 99.81%
+2.9% YoY +1.6% QoQ
+21.85% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
Bottom 10.4% in tier
Non-Interest-Bearing Deposit Share ? 12.65%
+6.4% YoY +6.5% QoQ
-9.38% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
16%
Nonperforming Asset Ratio ? 0.28%
+411.3% YoY
-0.39% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
53%
Tier 1 Capital Ratio ? 12.02%
+5.7% YoY +1.7% QoQ
-3.88% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
36%
Non-Interest Income / Assets ? 0.46%
-9.9% YoY +127.1% QoQ
-0.10% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
Top 10.7% in tier

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 12.6%
+0.8pp YoY
+0.8pp QoQ
 -9.5pp 22.1% 23.9% 22.2% 16%
Brokered Deposits 1.5%
+0.6pp YoY
-1.0pp QoQ
 -6.3pp 7.9% 9.7% 8.5% 25%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 1.4%
-0.6pp YoY
-0.1pp QoQ
 -10.2pp 11.6% 15.7% 12.5% 4%
CRE 43.6%
+0.3pp YoY
-2.8pp QoQ
 +4.0pp 39.5% 42.0% 41.4% 59%
1-4 Family 55.5%
+0.6pp YoY
+2.9pp QoQ
 +22.9pp 32.6% 24.0% 31.3% 87%
Consumer 0.3%
0.0pp YoY
0.0pp QoQ
 -3.8pp 4.1% 5.6% 5.0% 11%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio 12.0%
+0.6pp YoY
+0.2pp QoQ
 -6.8pp 18.8% 17.0% 19.7% 17%
Leverage Ratio 8.7%
+0.6pp YoY
-0.3pp QoQ
 -3.5pp 12.2% 11.7% 12.6% 8%
Total Capital Ratio 13.2%
+0.7pp YoY
+0.2pp QoQ
 -6.8pp 19.9% 18.2% 20.8% 18%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 51
+9 (+21.4%) YoY
+2 (+4.1%) QoQ
 -8 58 150 482 54%
Assets per Employee ($) $5.9M
-12.3% YoY
-4.9% QoQ
 -$1.6M $7.5M $6.5M $8.8M 32%
Branch Count 1
0 YoY
0 QoQ
 -4 4 8 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days 0.3%
+0.3pp YoY
 0.0pp 0.3% 0.9% 0.4% 75%
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.5% 1.0% 0%
Allowance Coverage 2.74x
-80.3% YoY
-99.8% QoQ
 -21.41x 24.15x 61.99x 20.23x 56%
Net Charge-off Rate (YTD) 0.0%
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 32%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 24.8%
-0.7pp YoY
+2.9pp QoQ
 +12.6pp 12.2% 11.9% 11.6% 96%
Cost of Funds (YTD) 2.5%
-0.4pp YoY
0.0pp QoQ
 +0.8pp 1.7% 1.8% 1.7% 90%
Net Income ($, YTD) $3.2M
+14.1% YoY
— QoQ
 +$647K $2.6M $8.7M $40.4M 72%

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)

Revenue Diversifier

growth
#179 of 661 • Top 26.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.46%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.15%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Profitability Leader

growth
#329 of 661 • Top 49.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.15%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Credit Risk Growth

risk
#344 of 936 • Bottom 36.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#470 of 1256 • Bottom 37.3% in tier

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

Why this signature
Delinquency Rate: 0.32%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

261
Return on Assets
profitability
Value: 2.15%
Peer Median: 1.32%
#261 of 2643 Top 9.8% in $100M-$1B
285
Non-Interest Income / Assets
revenue_mix
Value: 0.46%
Peer Median: 0.57%
#285 of 2643 Top 10.7% in $100M-$1B
332
Net Interest Margin
profitability
Value: 4.77%
Peer Median: 3.99%
#332 of 2643 Top 12.5% in $100M-$1B

Top Weaknesses (2 metrics)

2369
Loan-to-Deposit Ratio
liquidity
Value: 99.81%
Peer Median: 77.95%
#2369 of 2643 Bottom 10.4% in $100M-$1B
2219
Non-Interest-Bearing Deposit Share
funding
Value: 12.65%
Peer Median: 22.03%
#2219 of 2643 Bottom 16.1% in $100M-$1B
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