# VALLANT BANK
ELBERTON, GA · FDIC certificate 14065 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.99B | |
| Deposits | $3.46B | |
| Loans and leases | $2.98B | |
| Total equity | $488.7M | |
| Loans / deposits | 85.19% (p46 of band) | 87.10% |
| Liquid assets / assets | 18.45% (p39 of band) | |
| Uninsured deposits / deposits | 20.57% (p19 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.01% (p14 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.70% (p82 of band) | 10.50% |
| Unrealized securities loss / equity | -9.08% (p44 of band) | -7.75% |
| AOCI / equity | -0.30% (p50 of band) | |
| ROA (annualized) | 1.33% (p58 of band) | 1.26% |
| Net interest margin | 4.97% (p95 of band) | 3.70% |
| Efficiency ratio | 68.41% (p76 of band) | |
| Noncurrent loans | 0.51% (p50 of band) | 0.51% |
| Net charge-offs (annualized) | 0.06% (p66 of band) | |
| Reserve coverage of noncurrent | 252.16% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 78.47% (p78 of band) | |
| Auto loans | $4.9M (0.17% of loans; DQ 1.25%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 70.4% | |
| Employees | 579 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | charge-offs p90 |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 3 | noncurrent p90, charge-offs p90 |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 2 |  | noncurrent p90 |
| 2014-03 | 3 | capital falling |  |
| 2014-06 | 2 |  | capital falling |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | charge-offs p90 |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | charge-offs p90 |  |
| 2017-06 | 1 |  | reserve under noncurrent |
| 2017-09 | 0 |  | charge-offs p90 |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 3 | construction >100% equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 2 |  | uninsured deposits leaving |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | construction >100% equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 0 |  | securities losses >30% of equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-17 [Vallant Financial Announces Strategic Transformation for Vallant Bank - Yahoo Finance](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQSGNWUzF1VjBhWUJBNFFORmtlNFpSYzNXWHhsanF4LUtJLTRfZ3lyYVhKc1NaX0JnMnQtRU1Ld01udTQwa2lHMFBoRkthRTVYWkZESUx3bUdpQWdXN2lYU055ZnI0TDNHUDAzTjk0MUpGSGR4NXpuU1FzWEdXMVlBc1FhaGtjT2xOOTVmaFhQUi1GbHVGN3hPMlE5cDBQN3pSenZpcjQ1LWJ3U3FySEpGbnk0MjZqSWNS?oc=5) · Yahoo Finance
- 2026-08-20 [Third Quarter Dividend Declared by Vallant Financial - Business Wire](https://news.google.com/rss/articles/CBMirgFBVV95cUxNdG51NnhoRFZKckhkMV9DTkZKZEFkVWdIbUJvbmppaHNSdjc5eHQzMkotYkI3QlZLb1VkQzRzQWZpdHJLZDlsM2xjTHh3UlpnZi1RVEN0RVdsRXpmQWg2emFFWDZ3SGhSZnJHMF93a0lINWQzbTh4Rl94TnFEaTRrSGxtTFdPdUpoWXRuN1VQaTlzQkJpYjhlWlMxbThXNHJKa1BwcXJzdmoxN2NDRVE?oc=5) · Business Wire
- 2026-04-23 [Pinnacle Bank merger to become Vallant Bank - Hartwell Sun](https://news.google.com/rss/articles/CBMigwFBVV95cUxQdTdxUmlOeGtEaFlsNHFBMVVYNkZveWVnN2h0NU51cDBkNDZheUdkaGRhNXdPMVFuU2pYR1dYRU13QW42d2RuRXhqclkybmg2ZldGa2RBekFHSHNSLTNLRlIyVllMU01PSDFHVGo4emdsajM2WndEZ2cybXFfRkpLLURmTQ?oc=5) · Hartwell Sun
- 2026-07-11 [Vallant Bank, formerly Pinnacle Bank, hosts grand opening of Peach Orchard Road branch - The Augusta Press](https://news.google.com/rss/articles/CBMiswFBVV95cUxOalFfN01iMXRSNmtRS1BGeDhTN0hheHA4eEVIMThGUWZPVlhLSFZiODlzc1ZZaV82RzVnWnV6WWFuN2k0UWJBQWFZZTlBTWdKRUViYlQtYzVLWndiWmNiTmdjbl9QMkphWFlMeTh0QnhJU3R0VG12dTgwWS1PNVpMQmJ4ajF5NjMyVS1uN2JxN2twYmZfQ28yQ01LNFNhTGVITENQd3VLWGVJTWd6RVJIdS1tWQ?oc=5) · The Augusta Press
- 2026-06-16 [Pinnacle Bank is Now Vallant Bank - 92.1 WLHR](https://news.google.com/rss/articles/CBMiYEFVX3lxTFB1Um9FalRjVnF3VUpYSU9hSlJSYTFyTXlTX3dLcEdlalRTVUE1SWVXZnBLVS16RHFiWWxLcWxlbG9NVzYwREJ0TWhJYlItOWs1WXNUbkM3Ul9OdV9rbGxjcQ?oc=5) · 92.1 WLHR
- 2026-04-24 [Vallant Financial, Inc. Reports Earnings for First Quarter 2026 - GlobeNewswire](https://news.google.com/rss/articles/CBMizgFBVV95cUxNUVFDbnNCX202WkdvN3ZCdG1IRm9WVW4yX2ZZdmlEN1FpSFBwV293UmJuMGdKbVlBMlgwQXJtWm9rYlRzUmNpUEh1azRrZDlnN2YzTkxjcDljTG9vVXlvdXRQYmM2X01peU9nbkw5c3BDZlBhQkNVTVpxMTJkcWtRZVA4U1ZnMG5EWXFjTjFsY0NJZ3BSU2tkemNjTlI4bE0ybmM5UmVGSWMwdUFXamdQOXNPSVZ2aWhBUXhJdGdpaUo5Y3paTGR1Z2tReV9Edw?oc=5) · GlobeNewswire
- 2026-03-25 [Bass Road becoming Bankers Row | News - mymcr.net](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQX0JYb240Skd5bGRrcjNwOTcyenFmUGhrQkplYlZyYllJRU5GbXdOOVhwdy1sQnFSOVNHN3RaSlY2Rjgta1FGTzNhNDBTWUdEQm40UjZCbHdBRnk2YzY4NlRCSUtDbVVSU1FZN2dRamY0anYybjB2RVhKRG92U1BHcGhNVkUzZHVKRGp3bzF1YmtTb3phSWRmSTNHZ2FJT3d3TGpVT1liWDRiS0E?oc=5) · mymcr.net
- 2026-04-08 [Pinnacle Bank Merges with Morris Bank to Become Vallant Bank - 92.1 WLHR](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQTkZtWVVHNXppeXRpMS1iYTJGZUZHa0NKalpGNnFSTFJDX25hWE5Wd0FrdDcyOWk2VDItWHZBa09jVndpT3hXaEQ3dUdKOVE5SFRGU2xZWUFudFp0d3FuaVpDdF84dGV5T25OUVRmTmxkVGpyMmZCT242UnRvb05waThzekMwZkxp?oc=5) · 92.1 WLHR

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14065 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/49.json (key "14065", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide