Vallant Bank (FDIC #14065): Bank Stress & Real-Estate Credit Exposure
Vallant Bank (FDIC Cert #14065): bank stress 56/100, moderate, STABLE over 7 days; parent VALLANT FINANCIAL INC.
Vallant Bank (#14065) lends in 20 counties across 1 state; Vallant Bank (#14065) reaches 170 ZIP codes: Georgia 20 counties, 170 ZIPs.
Vallant Bank (#14065) largest markets: Gwinnett County, GA (26 branches, 26 ZIPs) (#14065), Hall County, GA (57 branches, 19 ZIPs) (#14065), Jackson County, GA (16 branches, 16 ZIPs) (#14065), Laurens County, GA (30 branches, 15 ZIPs) (#14065), Walton County, GA (36 branches, 12 ZIPs) (#14065), Houston County, GA (36 branches, 12 ZIPs) (#14065).
Vallant Bank (#14065) reports $3.99 billion in total assets; Vallant Bank (#14065) equity $488.7 million (12.3% of Vallant Bank (#14065) assets); Vallant Bank (#14065) domestic deposits $3.46 billion; Vallant Bank (#14065) net income $19.1 million; Vallant Bank (#14065) return on assets 1.33%; Vallant Bank (#14065) return on equity 12.22%; Vallant Bank (#14065) net interest income $65.4 million; Vallant Bank (#14065) call report June 30, 2026.
Vallant Bank (#14065) noncurrent real-estate loans 0.04% of its book; Vallant Bank (#14065) residential 0.07%; Vallant Bank (#14065) net charge-offs on real estate 0.53%; Vallant Bank (#14065) residential charge-offs 0.95%.
Vallant Bank (#14065) net interest margin 4.97% against an eight-quarter Vallant Bank (#14065) average of 4.23% (Vallant Bank (#14065) compression -0.74 points); Vallant Bank (#14065) real-estate loans 3.6% of equity; Vallant Bank (#14065) non-residential real estate 94.8% of equity; Vallant Bank (#14065) rate-exposure score 40/100, Vallant Bank (#14065) fixed-rate trap 40/100; Vallant Bank (#14065) risk type credit driven; Vallant Bank (#14065) rate regime rates elevated, Vallant Bank (#14065) snapshot October 20, 2026.
Vallant Bank (#14065) stress score moved from 67 on June 22, 2026 to 55.9 on October 20, 2026; Vallant Bank (#14065) ranged 55.9 to 67 over 117 snapshots.
Vallant Bank (#14065) alerts: 19 counties; top Vallant Bank (#14065) alert scores: Athens County, GA 19 (low); Augusta County, GA 19 (low); Blairsville County, GA 19 (low); Braselton County, GA 19 (low); Commerce County, GA 19 (low).