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Overview / Commentary
405-286-5700
1601 N. W. Expressway
Oklahoma City, OK 73118

Valliance Bank (OK) is headquartered in Oklahoma City and is the 42nd largest bank in the state of Oklahoma. It is also the 2,083rd largest bank in the nation. It was established in 2004 and as of March of 2014, it had grown to 49 employees at 3 locations. Valliance Bank (OK) has a B health rating.

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Health

Data for Q1 2014

Institution Health

B

Texas Ratio

GRADE:
C+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Valliance Bank (OK) had $8.52 million in non-current loans and owned real-estate with $32.65 million in equity and loan loss allowances on hand to cover it. This gives Valliance Bank (OK) a Texas Ratio of 26.10% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for Valliance Bank (OK) increased slightly from 16.59% as of March 31, 2013 to 26.10% as of March 31, 2014, resulting in a negative change of 57.35%. This indicates that the balance sheet and financial strength for Valliance Bank (OK) has declined slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Valliance Bank (OK) has increased its total deposits by $43.02 million, resulting in 19.64% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Valliance Bank (OK) has shown is excellent.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Valliance Bank (OK) has $315.19 million in assets with $32.65 million in equity, resulting in a capitalization level of 10.36%, which is above average.

Institution Statistics

Overall
FDIC Certificate #57841
Year Established2004
Employees49
Primary RegulatorFDIC
Assets and Liabilities
Assets$315.19 million
Loans$224.68 million
Deposits$262.04 million
Equity Capital$29.90 million
Loan Loss Allowance$2.75 million
Unbacked Noncurrent Loans$3.59 million
Real Estate Owned$4.93 million
Historic Data - March 2013
Assets$269.30 million
Equity Capital$27.24 million
Loan Loss Allowance$2.24 million
Unbacked Noncurrent Loans$3.59 million
Real Estate Owned$4.27 million
Profit Margin - Quarterly
Net Interest Margin4.11%
Return on Assets0.58%
Return on Equity6.54%
Interest Income$3.46 million
Rates

Sorry, we do not have rate data for Valliance Bank (OK)

Locations


Valliance Bank (OK) Locations
Norman Branch1501 24th Ave NWNorman, OK 73069
Valliance Bank1601 N. W. ExpresswayOklahoma City, OK 73118
Valliance Bank-Mckinney Branch5900 S. Lake Forest Dr., Suite 100Mckinney, TX 75070