Valor Bank is a state-chartered bank headquartered in Edmond, Oklahoma, in business for about 96 years. At the end of Q2 2026 it reported $302.6M in total assets and $262.1M in deposits, with 1 office.
Based on its Q2 2026 filing, Valor Bank scores 71/100, which we describe as strong. That is higher than only 47% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 80th. Its strongest component is earnings (100/100; 2.15%), and its lowest is capital cushion (37/100; 8.70%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (72 → 71).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 68 |
| Q4 2024 | 69 |
| Q1 2025 | 69 |
| Q2 2025 | 72 |
| Q3 2025 | 74 |
| Q4 2025 | 76 |
| Q1 2026 | 75 |
| Q2 2026 | 71 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.10% |
| Q3 2024 | 8.07% |
| Q4 2024 | 8.10% |
| Q1 2025 | 8.16% |
| Q2 2025 | 8.12% |
| Q3 2025 | 8.66% |
| Q4 2025 | 9.05% |
| Q1 2026 | 8.97% |
| Q2 2026 | 8.70% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.30% |
| Q3 2024 | 0.06% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.14% |
| Q2 2025 | 0.06% |
| Q3 2025 | 0.08% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.32% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.48% |
| Q3 2024 | 1.52% |
| Q4 2024 | 1.57% |
| Q1 2025 | 1.64% |
| Q2 2025 | 2.01% |
| Q3 2025 | 2.21% |
| Q4 2025 | 2.16% |
| Q1 2026 | 1.90% |
| Q2 2026 | 2.15% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $302.6M | 8.70% | 0.32% | 2.15% | 99.8% |
| Q1 2026 | 75 | $305.6M | 8.97% | 0.00% | 1.90% | 98.2% |
| Q4 2025 | 76 | $286.6M | 9.05% | 0.00% | 2.16% | 101.8% |
| Q3 2025 | 74 | $271.3M | 8.66% | 0.08% | 2.21% | 95.2% |
| Q2 2025 | 72 | $284.2M | 8.12% | 0.06% | 2.01% | 97.0% |
| Q1 2025 | 69 | $284.4M | 8.16% | 0.14% | 1.64% | 97.7% |
| Q4 2024 | 69 | $268.4M | 8.10% | 0.00% | 1.57% | 97.7% |
| Q3 2024 | 68 | $264.2M | 8.07% | 0.06% | 1.52% | 96.5% |
| Q2 2024 | 66 | $251.5M | 8.10% | 0.30% | 1.48% | 92.4% |
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 |
|---|---|---|---|---|---|
| The Bankers BankBank Oklahoma City, OK | 54 out of 100, Below average | $310.5M | 12.7% | 1.93% | vs |
| McClain BankBank Purcell, OK | 76 out of 100, Strong | $294.0M | 9.5% | 0.28% | vs |
| The First National Bank & TrustBank Elk City, OK | 88 out of 100, Very strong | $294.0M | 13.1% | 0.56% | vs |
| The Payne County BankBank Perkins, OK | 83 out of 100, Strong | $313.2M | 14.4% | 1.09% | vs |
| Patrons Bank, National AssociationBank Okmulgee, OK | 69 out of 100, Moderate | $314.5M | 10.8% | 0.80% | vs |
| First Bethany Bank & TrustBank Bethany, OK | 71 out of 100, Strong | $316.8M | 9.1% | 0.18% | vs |
Deposit insurance
Is my money safe at Valor Bank?
Yes. Valor Bank is an FDIC-insured institution (FDIC certificate #9467). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.8% of deposits ($51.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.70%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.18% (benchmark: 10%).
1 location
Branches
Valor Bank lists 1 office in 1 city. Most locations:
- Edmond, OK (1)
HMDA 2025
Mortgage lending
In 2025, Valor Bank reported 513 home-loan applications under HMDA (LEI 5493004WQK3PHW1SDP63): 389 originated ($124,505,000 total), 8 denied, and 88 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Valor Bank
- Former names
- First State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 9467
- RSSD ID
- 129358
- Primary regulator
- FDIC
- Holding company
- First of Grandfield Corp
- Established
- June 1, 1930
- Headquarters
- 1501 Renaissance Blvd, Edmond, OK 73013
- Website
- valor.bank
- Employees
- 51
Quick answers
Valor Bank: common questions
Is Valor Bank FDIC insured?
Yes. Valor Bank is an FDIC-insured institution (FDIC certificate #9467). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Valor Bank's TellerScore?
71 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 Valor Bank ever failed?
There is no failure record for FDIC certificate #9467 in the FDIC failed bank list.
How many branches does Valor Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Edmond
| 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 |
| Sooner State BankBank Tuttle, OK | 86 out of 100, Very strong | $354.6M | 12.8% | 0.33% | vs |
| Bank 7Bank Oklahoma City, OK | 86 out of 100, Very strong | $1.9B | 13.9% | 0.39% | 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 |
| Tinker Federal Credit UnionCredit union Oklahoma City, OK | 83 out of 100, Strong | $6.1B | 14.7% | 0.63% | vs |