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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Oklahoma, the state note

Valliance Bank

Oklahoma City, Oklahoma · $923M in assets · beside the 11 other Oklahoma banks between $300M and $1B

The filing

106.5%
Loans / deposits
12th of 12
0.61%
ROA
12th of 12
8.6%
Equity / assets
11th of 12

Valliance Bank is the fifth largest of the 12 Oklahoma banks nearest its size between $300M and $1B, with $923M in assets at 30 June 2026. Loans are 106.5% of deposits, the highest in the cohort against a median of 89.9%, and equity is 8.6% of assets, 11th of 12. Loans grew +24.2% in the year, 2nd of 12, and deposits grew 18.4%; the cohort's median loan growth is +5.3%.

Noncurrent loans are 1.58% of the book, 10th of 12 against a median of 0.57%; 0.09% is 30 to 89 days past due, and the allowance covers them 0.7 times. Commercial real estate is 39.6% of loans, 7th of 12 against a median of 38.3%, and 380% of capital, above the 300% screen, with construction at 119% against the 100% screen. CRE has grown +65.3% over 36 months, past the guidance's 50% prong.

Return on assets is 0.61%, the lowest in the cohort against a median of 1.34%, on an efficiency ratio of 69.2%, 11th of 12. Five years ago it was 0.86%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 16.1% of loans).

Loans as a share of depositsOK banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 89.9% S Spiritbank 74.7% QC Quail Creek Bank 81.9% FM F & M Bank 82.0% AN American Nation Bank 84.0% VB Vision Bank 84.4% FB First Bank & Trust Co. 88.5% GB Grand Bank 91.2% FN First National Bank of Oklahoma 93.1% SB Security Bank 93.6% FL First Liberty Bank 94.3% PB Prism Bank 96.4% VB Valliance Bank 106.5%
Loans, year over yearOK banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.3% PB Prism Bank +36.9% VB Valliance Bank +24.2% FM F & M Bank +16.1% GB Grand Bank +10.3% AN American Nation Bank +6.4% FN First National Bank of Oklahoma +6.4% FL First Liberty Bank +4.3% QC Quail Creek Bank +2.3% S Spiritbank +1.8% VB Vision Bank +1.5% SB Security Bank +0.3% FB First Bank & Trust Co. -6.5%

SBA 7(a), FY2008 to FY2026

Valliance Bank is the 35th largest 7(a) lender into Oklahoma of 358, with $24M across 65 loans, 0.6% of everything approved in the state (Bancfirst leads with $793M). 9 of its 13 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Oklahoma, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Oklahoma, OK$9M19th of 1720.9%-0.3 pts
Collin, TX$6M88th of 2610.2%+0.1 pts
Cleveland, OK$5M7th of 882.4%-3.5 pts
Beckham, OK$5M2nd of 209.8%quiet FY2021
Pontotoc, OK$4M4th of 329.4%quiet FY2019
Tarrant, TX$2M167th of 2810.1%-0.0 pts
Dallas, TX$2M187th of 3140.0%quiet FY2019
Travis, TX$628K191st of 2390.0%quiet FY2020
Grady, OK$324K18th of 320.8%quiet FY2021
Mcclain, OK$185K21st of 270.4%quiet FY2022
Kay, OK$144K21st of 240.4%quiet FY2020
Denton, TX$100K218th of 2240.0%quiet FY2020
Canadian, OK$74K55th of 650.1%quiet FY2021
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services9$7M19.5%0.01%698th of 2,596
Manufacturing10$6M17.9%0.02%600th of 2,246
Mining & extraction2$5M14.3%0.34%70th of 426
Health care & social assistance12$4M12.6%0.01%594th of 2,172
Arts, entertainment & recreation7$3M7.7%0.02%497th of 1,656
7(a) lenders into Oklahoma, share of approvals since FY2008358 lenders on record; the ten largest and Valliance Bank
B Bancfirst 18.4% $793M · 2,102 loans FO First Oklahoma Bank 5.8% $251M · 291 loans LO Live Oak Banking Company 5.8% $250M · 177 loans AB Arvest Bank 5.0% $213M · 780 loans SB Security Bank 3.0% $130M · 261 loans FU First United Bank and Trust Compa… 2.6% $114M · 174 loans FP First Pryority Bank 2.0% $84M · 184 loans RB Regent Bank 1.7% $74M · 162 loans PB Peoples Bank and Trust Company 1.7% $73M · 59 loans GP Great Plains National Bank 1.6% $67M · 204 loans VB Valliance Bank 0.6% $24M · 65 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers, Valliance Bank among them; owner-occupied excluded; bold marks a screen met
Valliance BankRankCohort median
Total CRE against capital, the 300% screen380%11th of 12264%
Construction against capital, the 100% screen119%12th of 1274%
Construction and land development, share of loans12.5%9th of 1211.0%
Non-owner-occupied nonfarm nonresidential, share of loans26.8%6th of 1226.9%
Total CRE, the guidance definition, share of loans39.6%7th of 1238.3%
CRE growth over 36 months, the third prong+65.3%11th of 12+13.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Vision Bank$1000M1.2%69.2%2.59%0.02%1.8%84.4%7.3%
First Bank & Trust Co.$952M2.2%55.5%5.22%0.71%1.3%88.5%15.3%
First National Bank of Oklahoma$950M2.3%45.4%1.39%0.07%1.3%93.1%10.1%
Security Bank$939M2.2%43.0%0.15%0.02%2.0%93.6%11.6%
Valliance Bank$923M0.6%69.2%1.58%-0.09%1.1%106.5%8.6%
F & M Bank$915M1.2%56.1%0.36%1.82%1.1%82.0%10.5%
Spiritbank$913M0.9%64.2%0.86%0.29%1.3%74.7%9.2%
First Liberty Bank$885M1.1%65.3%0.07%0.18%1.5%94.3%11.1%
Quail Creek Bank$831M1.7%56.8%0.65%0.08%1.2%81.9%8.7%
Prism Bank$721M0.9%60.0%0.49%-0.02%1.1%96.4%9.4%
Grand Bank$713M1.5%53.1%0.00%0.00%1.6%91.2%9.3%
American Nation Bank$691M1.5%62.8%0.06%0.00%1.5%84.0%9.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Valliance BankCohort median
20212026Change20212026Change
Loans$414M$781M+89%$466M$680M+46%
Deposits$459M$733M+60%$558M$784M+40%
NPA / loans0.28%1.58%+1.30 pts0.63%0.57%-0.06 pts
Efficiency63.5%69.2%+5.7 pts61.0%58.4%-2.6 pts
ROA0.86%0.61%-0.24 pts1.51%1.34%-0.16 pts

This read was prepared for Valliance 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 Valliance Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort OK banks $300M to $1B
Institution www.valliance.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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