Valliance Bank (FDIC certificate #57841) is based in Oklahoma City, Oklahoma. Its Q2 2026 call report shows $923.3M in total assets and $733.0M in deposits and 6 offices across 2 states.
Valliance Bank has a TellerScore of 47 out of 100 (below average) based on Q2 2026 data — higher than only 5% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 150th. Problem-loan coverage contributes the most (72/100, 14.1%); funding & liquidity contributes the least (43/100, 105% loans-to-deposits, 26% uninsured).
TellerScore · Q2 2026
Scorecard
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 fell 20 points (67 → 47), mostly because the loan quality component weakened by 43 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 65 |
| Q4 2024 | 68 |
| Q1 2025 | 72 |
| Q2 2025 | 67 |
| Q3 2025 | 75 |
| Q4 2025 | 76 |
| Q1 2026 | 67 |
| Q2 2026 | 47 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.28% |
| Q3 2024 | 9.26% |
| Q4 2024 | 9.66% |
| Q1 2025 | 9.52% |
| Q2 2025 | 9.54% |
| Q3 2025 | 10.41% |
| Q4 2025 | 10.19% |
| Q1 2026 | 9.90% |
| Q2 2026 | 9.31% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.01% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.31% |
| Q3 2025 | 0.39% |
| Q4 2025 | 0.27% |
| Q1 2026 | 0.27% |
| Q2 2026 | 1.58% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.63% |
| Q3 2024 | 0.72% |
| Q4 2024 | 0.85% |
| Q1 2025 | 1.49% |
| Q2 2025 | 1.33% |
| Q3 2025 | 2.44% |
| Q4 2025 | 2.05% |
| Q1 2026 | 1.04% |
| Q2 2026 | 0.63% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 47 | $923.3M | 9.31% | 1.58% | 0.63% | 105.3% |
| Q1 2026 | 67 | $840.7M | 9.90% | 0.27% | 1.04% | 98.1% |
| Q4 2025 | 76 | $803.2M | 10.19% | 0.27% | 2.05% | 96.6% |
| Q3 2025 | 75 | $761.2M | 10.41% | 0.39% | 2.44% | 97.9% |
| Q2 2025 | 67 | $753.7M | 9.54% | 0.31% | 1.33% | 100.3% |
| Q1 2025 | 72 | $725.1M | 9.52% | 0.00% | 1.49% | 98.4% |
| Q4 2024 | 68 | $713.9M | 9.66% | 0.00% | 0.85% | 96.3% |
| Q3 2024 | 65 | $693.2M | 9.26% | 0.00% | 0.72% | 98.5% |
| Q2 2024 | 62 | $667.7M | 9.28% | 0.01% | 0.63% | 105.8% |
2,650 peers · $100 million – $1 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).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| F&M BankBank Edmond, OK | 71 out of 100, Strong | $915.3M | 10.0% | 0.36% | vs |
| SpiritBankBank Tulsa, OK | 63 out of 100, Moderate | $912.8M | 9.3% | 0.86% | vs |
| Security BankBank Tulsa, OK | 81 out of 100, Strong | $939.0M | 11.8% | 0.15% | vs |
| First National Bank of OklahomaBank Oklahoma City, OK | 66 out of 100, Moderate | $949.9M | 10.5% | 1.39% | vs |
| First Bank & Trust Co.Bank Duncan, OK | 61 out of 100, Moderate | $952.1M | 14.9% | 5.22% | vs |
| First Liberty BankBank Oklahoma City, OK | 76 out of 100, Strong | $885.0M | 11.8% | 0.07% | vs |
Deposit insurance
Is my money safe at Valliance Bank?
Yes. Valliance Bank is an FDIC-insured institution (FDIC certificate #57841). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.6% of deposits ($187.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.31%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
6 locations
Branches
Valliance Bank lists 6 offices in 5 cities across 2 states. Most locations:
- Oklahoma City, OK (2)
- Fort Worth, TX (1)
- Mckinney, TX (1)
- Norman, OK (1)
- Tulsa, OK (1)
Identity & history
Profile
- Legal name
- Valliance Bank
- Former names
- Valliance Bank, National Association
- Type
- State-chartered bank
- FDIC certificate #
- 57841
- RSSD ID
- 3267738
- Primary regulator
- FDIC
- Holding company
- Valliance Financial Corp
- Established
- October 20, 2004
- Headquarters
- 1601 Nw Expressway, Oklahoma City, OK 73118
- Website
- www.valliance.bank
- Employees
- 103
Quick answers
Valliance Bank: common questions
Is Valliance Bank FDIC insured?
Yes. Valliance Bank is an FDIC-insured institution (FDIC certificate #57841). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Valliance Bank's TellerScore?
47 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Valliance Bank ever failed?
There is no failure record for FDIC certificate #57841 in the FDIC failed bank list.
How many branches does Valliance Bank have?
6 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Oklahoma City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Oklahoma Federal Credit UnionCredit union Oklahoma City, OK | 91 out of 100, Very strong | $198.9M | 20.2% | 0.24% | vs |
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |
| Bank 7Bank Oklahoma City, OK | 86 out of 100, Very strong | $1.9B | 13.9% | 0.39% | vs |
| Sooner State BankBank Tuttle, OK | 86 out of 100, Very strong | $354.6M | 12.8% | 0.33% | vs |
| U. S. Employees O. C. Federal Credit UnionCredit union Oklahoma City, OK | 85 out of 100, Very strong | $213.5M | 16.3% | 0.20% | vs |
| Liberty National BankBank Lawton, OK | 84 out of 100, Strong | $1.3B | 10.3% | 0.02% | vs |