Valliance Bank (FDIC #57841): Bank Stress & Real-Estate Credit Exposure
Valliance Bank (FDIC Cert #57841): bank stress 83/100, severe, STABLE over 7 days; parent VALLIANCE FINANCIAL CORP.
Valliance Bank (#57841) lends in 5 counties across 2 states; Valliance Bank (#57841) reaches 229 ZIP codes: Oklahoma 3 counties, 113 ZIPs; Texas 2 counties, 116 ZIPs.
Valliance Bank (#57841) largest markets: Tarrant County, TX (76 branches, 76 ZIPs) (#57841), Oklahoma County, OK (110 branches, 55 ZIPs) (#57841), Tulsa County, OK (43 branches, 43 ZIPs) (#57841), Collin County, TX (40 branches, 40 ZIPs) (#57841), Cleveland County, OK (23 branches, 23 ZIPs) (#57841).
Valliance Bank (#57841) reports $923.3 million in total assets; Valliance Bank (#57841) equity $79.1 million (8.6% of Valliance Bank (#57841) assets); Valliance Bank (#57841) domestic deposits $733.0 million; Valliance Bank (#57841) net income $2.7 million; Valliance Bank (#57841) return on assets 0.63%; Valliance Bank (#57841) return on equity 6.78%; Valliance Bank (#57841) net interest income $16.6 million; Valliance Bank (#57841) call report June 30, 2026.
Valliance Bank (#57841) noncurrent real-estate loans: none reported; Valliance Bank (#57841) net charge-offs on real estate 0.78%; Valliance Bank (#57841) residential charge-offs 1.12%.
Valliance Bank (#57841) net interest margin 4.09% against an eight-quarter Valliance Bank (#57841) average of 4.49% (Valliance Bank (#57841) compression 0.40 points); Valliance Bank (#57841) non-residential real estate 111.9% of equity; Valliance Bank (#57841) rate-exposure score 40/100, Valliance Bank (#57841) fixed-rate trap 40/100; Valliance Bank (#57841) risk type credit driven; Valliance Bank (#57841) rate regime rates elevated, Valliance Bank (#57841) snapshot October 20, 2026.
Valliance Bank (#57841) stress score moved from 70.3 on June 22, 2026 to 83 on October 20, 2026; Valliance Bank (#57841) ranged 70.3 to 83 over 117 snapshots.
Valliance Bank (#57841) alerts: 5 counties; top Valliance Bank (#57841) alert scores: Tulsa County, OK 42 (moderate); Fort Worth County, OK 26 (low); Mckinney County, OK 26 (low); Norman County, OK 26 (low); Oklahoma City County, OK 26 (low).