TellerScore

Headquartered in Elberton, Georgia, Vallant Bank is a state-chartered bank with $4.0B in total assets and $3.5B in deposits as of Q2 2026. It operates 36 offices. Its charter dates back to 1934.

Based on its Q2 2026 filing, Vallant Bank scores 78/100, which we describe as strong. That is higher than 86% of 897 banks with $1 billion – $10 billion. Among 124 banks headquartered in Georgia, it ranks 47th. Its strongest component is problem-loan coverage (94/100; 3.0%), and its lowest is funding & liquidity (69/100; 85% loans-to-deposits, 21% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion77/100
Tier 1 leverage ratio: 12.70%
Loan quality83/100
Noncurrent loans ÷ total loans: 0.51%
Earnings73/100
Return on assets (annualized): 1.33%
Funding & liquidity69/100
Loans ÷ deposits and uninsured-deposit share: 85.2% · 20.6% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.98%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 8 points (70 → 78), mostly because the capital cushion component improved by 34 points.

TellerScore
687378Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202469
Q4 202470
Q1 202570
Q2 202570
Q3 202571
Q4 202570
Q1 202669
Q2 202678
Tier 1 leverage ratio
5.00%8.85%12.70%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.85%
Q3 20249.17%
Q4 20249.27%
Q1 20259.22%
Q2 20259.31%
Q3 20259.58%
Q4 20259.69%
Q1 20269.63%
Q2 202612.70%
Noncurrent loans
0.05%0.28%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.05%
Q3 20240.11%
Q4 20240.08%
Q1 20250.07%
Q2 20250.08%
Q3 20250.05%
Q4 20250.17%
Q1 20260.12%
Q2 20260.51%
Return on assets
1.06%1.19%1.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.06%
Q3 20241.17%
Q4 20241.22%
Q1 20251.15%
Q2 20251.20%
Q3 20251.23%
Q4 20251.29%
Q1 20261.18%
Q2 20261.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$4.0B12.70%0.51%1.33%85.2%
Q1 202669$2.3B9.63%0.12%1.18%82.8%
Q4 202570$2.3B9.69%0.17%1.29%83.1%
Q3 202571$2.2B9.58%0.05%1.23%82.5%
Q2 202570$2.3B9.31%0.08%1.20%78.8%
Q1 202570$2.3B9.22%0.07%1.15%76.6%
Q4 202470$2.2B9.27%0.08%1.22%78.0%
Q3 202469$2.1B9.17%0.11%1.17%79.5%
Q2 202468$2.2B8.85%0.05%1.06%78.1%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.70%
82nd
Total risk-based capital13.27%
45th
Problem loans0.51%
51st
Net charge-offs0.08%
35th
Return on assets1.33%
58th
Net interest margin4.97%
95th
Efficiency ratio68.4%
24th
Loans to deposits85.2%
55th
Uninsured deposits20.6%
81st
Loan-loss reserves1.28%
67th
Texas ratio3.0%
57th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Colony BankBank Fitzgerald, GA64 out of 100, Moderate$3.6B10.0%0.76%vs
Metro City BankBank Doraville, GA73 out of 100, Strong$4.5B11.1%0.44%vs
Georgia Banking CompanyBank Atlanta, GA64 out of 100, Moderate$3.3B10.8%0.67%vs
Queensborough National Bank & Trust CompanyBank Louisville, GA62 out of 100, Moderate$2.3B8.6%0.59%vs
Thomasville National BankBank Thomasville, GA76 out of 100, Strong$2.2B10.7%0.22%vs
United BankBank Zebulon, GA89 out of 100, Very strong$2.2B12.8%0.23%vs

Deposit insurance

Is my money safe at Vallant Bank?

Yes. Vallant Bank is an FDIC-insured institution (FDIC certificate #14065). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.6% of deposits ($711.6M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.70%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.27% (benchmark: 10%).

Check how much of your own balance is covered

36 locations

Branches

Vallant Bank lists 36 offices in 26 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Vallant Bank
Former names
Pinnacle Bank, National Association; Pinnacle Bank; First National Bank in Elberton
Type
State-chartered bank
FDIC certificate #
14065
RSSD ID
366238
Primary regulator
FDIC
Holding company
Vallant Financial Inc
Established
March 12, 1934
Headquarters
884 Elbert St, Elberton, GA 30635
Employees
579

Quick answers

Vallant Bank: common questions

Is Vallant Bank FDIC insured?

Yes. Vallant Bank is an FDIC-insured institution (FDIC certificate #14065). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Vallant Bank's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Vallant Bank ever failed?

There is no failure record for FDIC certificate #14065 in the FDIC failed bank list.

How many branches does Vallant Bank have?

36 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Elberton

InstitutionScoreAssetsCapitalProblem loansCompare
Northeast Georgia BankBank Lavonia, GA93 out of 100, Very strong$650.6M13.4%0.01%vs
The Peoples BankBank Iva, SC89 out of 100, Very strong$446.7M12.9%0.00%vs
E L C O Federal Credit UnionCredit union Elberton, GA84 out of 100, Strong$5.3M20.1%0.78%vs
The Commercial BankBank Crawford, GA79 out of 100, Strong$463.7M10.7%0.17%vs
North Georgia Credit UnionCredit union Toccoa, GA70 out of 100, Strong$121.7M11.2%0.39%vs
SouthState Bank, National AssociationBank Winter Haven, FL68 out of 100, Moderate$68.8B10.3%0.54%vs