Vallant Bank
Vallant Bank reported total assets of $2.3 bn at Q1 2026, the latest verified quarter, up 3.7% on a year earlier. The CET1 capital ratio at Vallant Bank was 12.04% at Q2 2026. Total assets and total deposits for Q2 2026 are withheld until the FDIC and FFIEC figures agree. Source: FDIC Call Reports.
Key takeaways
- Since , Vallant Bank has taken over 4 institutions; the latest was Morris Bank on (FDIC Call Reports).
What sets Vallant Bank apart
How large is Vallant Bank?
The balance sheet of Vallant Bank at , the latest verified quarter: assets $2.3 bn, deposits $2.1 bn, net loans $1.7 bn (loans equal to 82.76% of deposits). Securities make up 16.1% of total assets at Vallant Bank. Since , when Vallant Bank held $685.2 mn, its assets grew 242.3%. In the year to , deposits at Vallant Bank rose 2.7% while its total assets rose 3.7%. At , the latest verified quarter, Vallant Bank employed 390 full-time equivalent staff across 26 offices, about $6.0 mn of assets per employee and $80.4 mn of deposits per office.
How much funding at Vallant Bank is uninsured?
At Vallant Bank, uninsured deposits (above the FDIC limit) made up 20.57% of domestic deposits at (-13.64 pp on a year earlier); Vallant Bank ranks 406th of 500 on this measure. In dollars, Vallant Bank estimated $711.6 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.1 bn (Q1 2026) | +2.7% | 490th of 506 |
| Net loans and leases | $2.9 bn | +84.1% | 316th of 500 |
| Loan-to-deposit ratio | 85.19% | +6.37 pp | 277th of 500 |
| Tier 1 leverage ratio | 12.70% | +3.39 pp | 68th of 500 |
| Total risk-based capital ratio | 13.27% | +0.31 pp | 329th of 448 |
| Net interest margin | 4.97% | +0.81 pp | 43rd of 500 |
| Return on assets (ROA) | 1.33% | +0.13 pp | 231st of 500 |
| Efficiency ratio | 68.41% | +2.37 pp | 424th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $42.0 mn | Narrowed by $8.7 mn | |
| Noncurrent loans to total loans | 0.51% | +0.42 pp | 201st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.08% | +0.04 pp | 240th of 500 (1 = lowest) |
US rank of Vallant Bank: 1 = highest unless marked 1 = lowest. A quarter in brackets marks the latest verified quarter: the Q2 2026 figure is withheld until the FDIC and FFIEC figures agree.
Balance sheet
Vallant Bank: assets, deposits and loans
- Total assets $2.3bn
- Deposits $2.1bn
- Net loans $2.9bn
Capital and securities
The CET1 ratio of Vallant Bank stood at 12.04% in , +0.29 pp year on year. Low and high at Vallant Bank since : 10.37% () to 12.28% (). Equity capital of Vallant Bank at , the latest verified quarter: $224.6 mn, or 9.6% of total assets. Vallant Bank also reported a total capital ratio of 13.27% for , and a tier 1 leverage ratio of 12.70%.
The available-for-sale portfolio of Vallant Bank showed an unrealized loss of $42.0 mn at ; the loss narrowed by $8.7 mn over the year.
Vallant Bank: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 13%
Vallant Bank: unrealized securities gains and losses
- Available for sale -$42mn
- Held to maturity $0
Profitability and loan quality
For the year to , Vallant Bank earned a return on equity of 12.22%; return on assets: 1.33%. Net interest margin at Vallant Bank: 4.97%, +0.81 pp in a year. The efficiency ratio of Vallant Bank was 68.41%: about 68 cents cost per revenue dollar, against 60 cents at the median peer.
At , noncurrent loans were 0.51% of total loans at Vallant Bank; net charge-offs: 0.08% of average loans. Gross loans and leases at Vallant Bank: $3.0 bn, up 84.1% in a year.
Vallant Bank: profitability
- Return on equity 12%
- Net interest margin 5.0%
- Return on assets 1.3%
Peer group of Vallant Bank
The peer group of Vallant Bank is the 6 banks nearest to it by total assets at : 5 larger and 1 smaller. Of the peers, 0 share the charter type of Vallant Bank (state nonmember bank) and 0 have head offices in Georgia. Against them, Vallant Bank shows CET1 ratio 11.52% against a peer median of 12.51%, return on equity 12.12% against a peer median of 13.64% and uninsured deposit share 34.02% against a peer median of 32.57%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| American National Bank & Trust | National bank | TX | $2.5 bn | 12.59% | 8.76% | 38.40% | |
| Horizon Bank, SSB | State-chartered stock savings bank | TX | $2.4 bn | 12.03% | 20.45% | 49.72% | |
| Esquire Bank | National bank | NY | $2.4 bn | 14.25% | 21.09% | 30.22% | |
| Cornerstone Bank | State member bank | MA | $2.4 bn | 12.51% | 8.34% | 27.00% | |
| Schaumburg Bank & Trust Company | National bank | IL | $2.4 bn | 11.41% | 18.52% | 34.91% | |
| Vallant Bank | State nonmember bank | GA | $2.3 bn | 11.52% | 12.12% | 34.02% | |
| Erebor Bank | National bank | OH | $1.7 bn | not reported | -4.00% | 23.31% | |
. FDIC Call Reports.
Last eight quarters
Staff 344 to 579; offices 25 to 36.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.1 bn | $2.2 bn | $2.3 bn | $2.3 bn | $2.2 bn | $2.3 bn | $2.3 bn | withheld |
| Total deposits | $1.9 bn | $2.0 bn | $2.0 bn | $2.0 bn | $2.0 bn | $2.0 bn | $2.1 bn | withheld |
| Bank equity capital | $197.3 mn | $192.4 mn | $200.1 mn | $206.5 mn | $215.2 mn | $223.4 mn | $224.6 mn | withheld |
| CET1 ratio | 11.72% | 11.68% | 11.75% | 11.75% | 11.59% | 11.63% | 11.52% | 12.04% |
| Return on equity (ROE) | 13.57% | 14.08% | 13.09% | 13.41% | 13.53% | 13.97% | 12.12% | 12.22% |
| Uninsured share of domestic deposits | 31.40% | 34.65% | 34.89% | 34.21% | 32.87% | 33.35% | 34.02% | 20.57% |
| Full-time equivalent employees | 344 | 364 | 366 | 376 | 376 | 390 | 390 | 579 |
| Number of offices | 25 | 25 | 25 | 26 | 26 | 26 | 26 | 36 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Vallant Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Independence Bank of Georgia (FDIC certificate 58736).
- . Absorbed Southern Bank & Trust (FDIC certificate 58143).
- . Absorbed Liberty First Bank (FDIC certificate 58274).
- . Absorbed Morris Bank (FDIC certificate 17910).
Large one-quarter moves at Vallant Bank
- Total assets at Vallant Bank changed by +27.0% in the quarter to 2016-12-31: Absorbtion - Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Independence Bank of Georgia.
- Total assets at Vallant Bank changed by +49.2% in the quarter to 2020-06-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Southern Bank & Trust.
- Total assets at Vallant Bank changed by +69.9% in the quarter to 2026-06-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Morris Bank.
Questions and identifiers
What were the total assets of Vallant Bank?
Vallant Bank reported $2.3 bn at , the latest verified quarter in its Call Report. That makes Vallant Bank the 505th largest of 506 banks in our US coverage.
Is Vallant Bank the same as its holding company?
No. This page covers Vallant Bank, FDIC certificate 14065; VALLANT FINANCIAL INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
When is data for Vallant Bank next updated?
Figures from Vallant Bank for are due after .
Where can I check the figures for Vallant Bank?
In the FDIC BankFind Suite record for certificate 14065, and in the Call Reports of Vallant Bank (RSSD ID 366238) at the FFIEC Central Data Repository.