Valliance Bank

5900 S. Lake Forest Dr., Suite 100
Mckinney, TX 75070
214-544-2400
www.texasvbank.com
 

Related Blog Posts

2.00% 12-Month CD at Valliance Bank in Texas - Local Only - 2/16/2010

Valliance Bank is offering a special 2.00% APY 12-month CD. Minimum deposit is $1,000. For a Jumbo CD with a $100K minimum, the yield is 2.10% APY. These rates are not listed on the bank's website. I ...

2.15% 18-Month CD at Valliance Bank in Texas - Local Only - 12/7/2009

Valliance Bank is offering a special 18-month CD with a 2.15% APY. There's also a special 36-month CD which is not quite as competitive with a 2.65% APY. Minimum deposit is $1,000, and the maximum is $99,000. These rates don't appear to be listed at the...

2.10% Savings Account & 2.15% 12-Month CD at Valliance Bank in Texas - Local Only - 10/25/2009

Valliance Bank is offering two competitive deposit products. One is a savings account with a 2.10% APY. Minimum deposit is $100. The other one is a 12-month CD with a 2.15% APY. Minimum deposit is $1,000, and the maximum is $99,000. These rates don't...


Institution Statistics


FDIC Certificate #58572
BankRate ReportView
Year Established2007
Employees18
Primary RegulatorFDIC

Assets and Liabilities

Assets$130.51 million
Loans$99.52 million
Deposits$112.34 million
Equity Capital$11.90 million
Loan Loss Allowance$1.42 million
Unbacked Noncurrent Loans$5.24 million
Real Estate Owned$1.41 million

Historic Data - March 2009

Assets$124.14 million
Equity Capital$9.62 million
Loan Loss Allowance$1.42 million
Real Estate Owned$2.51 million

Profit Margin - Quarterly

Net Interest Margin2.28%
Return on Assets-1.41%
Return on Equity-15.63%
Interest Income$1.56 million

Institution Health


Overall Score:
2 out of 5
2
Texas Ratio3
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2010 Valliance Bank had $6.66 million in non-current loans and owned real-estate with $13.32 million in equity and loan loss allowances on hand to cover it. This gives Valliance Bank a Texas Ratio of 49.96% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend0
The Texas Ratio for Valliance Bank increased dramatically from 22.77% as of March 31, 2009 to 49.96% as of March 31, 2010, resulting in a negative change of 119.40%. This indicates that the balance sheet and financial strength for Valliance Bank has declined dramatically in recent periods.
Deposit Growth4
In the past year, Valliance Bank has increased it's total deposits by $8.11 million, resulting in 7.78% 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 has shown is above average.
Capitalization2
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 has $130.51 million in assets with $13.32 million in equity, resulting in a capitalization level of 10.21%, which is below average.
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