Vallant Bank
Elberton, Georgia · $3.99B in assets · beside the 11 other the Southeast banks between $3B and $10B (the state alone holds too few in the band to rank)
The filing
Vallant Bank is the seventh largest of the 12 the Southeast banks nearest its size between $3B and $10B, with $3.99B in assets at 30 June 2026. Loans are 86.3% of deposits, 7th of 12 against a median of 84.5%, and equity is 12.3% of assets, 4th of 12. Loans grew +84.1% in the year, the fastest in the cohort, and deposits grew 70.4%; the cohort's median loan growth is +9.8%.
Noncurrent loans are 0.51% of the book, 4th of 12 against a median of 0.79%; 0.36% is 30 to 89 days past due, and the allowance covers them 2.5 times. Commercial real estate is 37.6% of loans, 9th of 12 against a median of 31.2%, and 264% of capital, below the 300% screen, with construction at 90% against the 100% screen. CRE has grown +127.5% over 36 months, past the guidance's 50% prong.
Return on assets is 1.20%, 8th of 12 against a median of 1.46%, on an efficiency ratio of 68.7%, 11th of 12. Five years ago it was 1.17%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.
SBA 7(a), FY2008 to FY2026
Vallant Bank is the 31st largest 7(a) lender into Georgia of 409, with $162M across 135 loans, 0.8% of everything approved in the state (Metro City Bank leads with $1.91B). 28 of its 54 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.
| County | Approved | Rank | Share | Trend |
|---|---|---|---|---|
| Chatham, GA | $12M | 18th of 121 | 1.7% | quiet FY2022 |
| Hall, GA | $12M | 10th of 97 | 2.6% | +1.0 pts |
| Habersham, GA | $11M | 1st of 39 | 15.9% | thin |
| Clarke, GA | $11M | 3rd of 72 | 7.7% | +8.6 pts |
| Cobb, GA | $9M | 47th of 182 | 0.5% | thin |
| Fulton, GA | $8M | 71st of 211 | 0.2% | +0.9 pts |
| Laurens, GA | $8M | 2nd of 26 | 14.2% | quiet FY2022 |
| Gwinnett, GA | $7M | 60th of 169 | 0.3% | -0.7 pts |
| Forsyth, GA | $6M | 37th of 120 | 0.8% | quiet FY2020 |
| Houston, GA | $6M | 8th of 64 | 3.4% | quiet FY2022 |
| Troup, GA | $5M | 7th of 43 | 4.4% | quiet FY2014 |
| Cherokee, GA | $5M | 38th of 117 | 0.9% | quiet FY2016 |
| Randolph, GA | $4M | 1st of 2 | 96.3% | quiet FY2011 |
| Industry | Loans | Approved | Share of book | Share of sector | Rank |
|---|---|---|---|---|---|
| Health care & social assistance | 20 | $34M | 19.5% | 0.07% | 177th of 2,172 |
| Accommodation & food services | 36 | $31M | 17.8% | 0.04% | 304th of 2,596 |
| Retail trade | 25 | $28M | 16.2% | 0.05% | 265th of 2,589 |
| Other services | 15 | $19M | 10.7% | 0.05% | 242nd of 2,248 |
| Manufacturing | 8 | $16M | 8.9% | 0.04% | 348th of 2,246 |
Commercial real estate against capital
| Vallant Bank | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 264% | 9th of 12 | 219% |
| Construction against capital, the 100% screen | 90% | 12th of 12 | 54% |
| Construction and land development, share of loans | 12.8% | 12th of 12 | 8.8% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 21.7% | 8th of 12 | 19.1% |
| Total CRE, the guidance definition, share of loans | 37.6% | 9th of 12 | 31.2% |
| CRE growth over 36 months, the third prong | +127.5% | 11th of 12 | +24.2% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $4.49B | 1.2% | 66.7% | 2.96% | 0.11% | 0.8% | 41.7% | 10.4% | |
| $4.47B | 2.0% | 41.0% | 0.44% | 0.01% | 0.7% | 112.3% | 11.5% | |
| $4.45B | 1.5% | 64.8% | 0.40% | 0.12% | 1.2% | 66.4% | 11.9% | |
| $4.44B | 1.6% | 60.0% | 1.40% | 0.20% | 1.1% | 103.6% | 13.2% | |
| $4.34B | 1.0% | 68.0% | 1.83% | 0.37% | 1.2% | 107.0% | 11.0% | |
| $4.28B | 1.8% | 40.0% | 0.28% | 0.22% | 1.3% | 95.2% | 9.9% | |
| $3.99B | 1.2% | 68.7% | 0.51% | 0.06% | 1.3% | 86.3% | 12.3% | |
| $3.61B | 1.1% | 65.0% | 0.76% | 0.28% | 0.9% | 82.7% | 11.2% | |
| $3.61B | 2.0% | 54.2% | 0.70% | 0.17% | 1.3% | 80.9% | 14.2% | |
| $3.50B | 1.4% | 64.3% | 1.18% | 0.23% | 1.1% | 79.5% | 9.5% | |
| $3.47B | 1.5% | 49.9% | 0.83% | 0.02% | 1.3% | 70.9% | 10.8% | |
| $3.41B | 0.8% | 76.7% | 0.81% | 0.00% | 0.8% | 95.6% | 13.4% |
| Vallant Bank | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $1.07B | $2.98B | +178% | $1.92B | $2.64B | +37% |
| Deposits | $1.48B | $3.46B | +134% | $2.33B | $3.45B | +48% |
| NPA / loans | 0.12% | 0.51% | +0.38 pts | 0.40% | 0.79% | +0.39 pts |
| Efficiency | 63.1% | 68.7% | +5.6 pts | 63.1% | 64.5% | +1.4 pts |
| ROA | 1.17% | 1.20% | +0.03 pts | 1.31% | 1.46% | +0.15 pts |
This read was prepared for Vallant Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on Vallant Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort Southeast banks $3B to $10B
Institution www.vallant.bank
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