Valliance Bank

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

Valliance Bank is headquartered in Mckinney and is the 446th largest bank in the state of Texas. It is also the 5,569th largest bank in the nation. It was established in 2007 and as of September of 2011, it had grown to 21 employees at 1 location. Valliance Bank has a 2-star health rating.

Valliance Bank Routing Number: 111925582

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Top Short-Term CD Rates at Valliance Bank in Texas - Local Only - 12/6/2011

Valliance Bank is offering three competitive short-term CD rates. The rates are 1.20% APY for 18 months, 1.05% APY for 1 year and 0.95% APY for 6 months. Minimum deposit is $1,000, and the maximum bal ...

Top Rate 7-Year CD In Dallas BUT Callable (Forum) - 8/21/2011

I was going to do a blog post on this CD, but I changed my mind when I noticed a big downside that's buried in the small print. It's a callable CD with a callable date that's only 6 months. This is a good reminder to pay extra attention to the small print

1.30% 15-Month CD At Valliance Bank In Texas (Forum) - 12/13/2010

Valliance Bank in McKinney Texas is offering 3 CD specials. None of them are that great, but in today's environment, you may not find anything better in that area. 1.50% APY 22-month CD 1.30% APY 15-month CD 1.00% APY 8-month CD $1,000 minimum, $99

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 ...

2009



Data for Q3 2011


Institution Statistics


Valliance Bank
FDIC Certificate #58572
BankRate ReportView
Year Established2007
Employees21
Primary RegulatorFDIC

Assets and Liabilities

Assets$77.99 million
Loans$49.25 million
Deposits$52.90 million
Equity Capital$8.79 million
Loan Loss Allowance$1.18 million
Unbacked Noncurrent Loans$4.05 million
Real Estate Owned$3.11 million

Historic Data - September 2010

Assets$127.46 million
Equity Capital$11.36 million
Loan Loss Allowance$1.30 million
Unbacked Noncurrent Loans$2.00 million
Real Estate Owned$4.02 million

Profit Margin - Quarterly

Net Interest Margin3.38%
Return on Assets-4.1%
Return on Equity-37.98%
Interest Income$3.08 million

Institution Health


Overall Score:
2 out of 5
2
Texas Ratio2
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 September 30, 2011 Valliance Bank had $7.16 million in non-current loans and owned real-estate with $9.97 million in equity and loan loss allowances on hand to cover it. This gives Valliance Bank a Texas Ratio of 71.81% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend2
The Texas Ratio for Valliance Bank increased slightly from 46.26% as of September 30, 2010 to 71.81% as of September 30, 2011, resulting in a negative change of 55.23%. This indicates that the balance sheet and financial strength for Valliance Bank has declined slightly in recent periods.
Deposit Growth1
In the past year, Valliance Bank has decreased its total deposits by -$43.93 million, resulting in -45.37% 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 poor.
Capitalization5
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 $77.99 million in assets with $9.97 million in equity, resulting in a capitalization level of 12.78%, which is excellent.
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