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Valor Bank
Edmond, OK · FDIC Certificate #9467 · Chartered 06/0
Total assets
$302.59M
Total deposits
$262.07M
Total equity
$26.15M
Net loans
$261.56M
Branches (offices)
1
Net income (YTD)
$3.20M
Rank: #2,456 of 4,213 U.S. banks by assets · #83 of 168 in Oklahoma. Assets changed 6.5% and deposits 3.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.15% |
| Return on equity | 24.79% |
| Net interest margin (YTD) | 4.77% |
| Equity to assets | 8.64% |
| Tier 1 leverage ratio | 8.70% |
| Uninsured deposits (share of deposits) | 19.8% |
| Noncurrent loans (share of loans) | 0.32% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 99.8% |
| Real estate loans (share of loans) | 99.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $259.62M | 99.3% | |
| Commercial & industrial | $3.65M | 1.4% | |
| Consumer / individual | $788.00K | 0.3% | |
| Construction & development | $34.90M | 13.3% | |
| Agricultural | $248.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $195.68M | $178.67M | $1.35M | $16.15M |
| Jun 2023 | $214.03M | $190.08M | $1.64M | $17.66M |
| Jun 2024 | $251.46M | $229.67M | $1.83M | $19.94M |
| Jun 2025 | $284.17M | $253.15M | $2.81M | $22.75M |
| Jun 2026 | $302.59M | $262.07M | $3.20M | $26.15M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $262.07M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $262.07M.
Similar-sized banks
The Citizens Bank Of Weston ($302.74M) · Washington Savings Bank ($302.34M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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