# VALLIANCE BANK
OKLAHOMA CITY, OK · FDIC certificate 57841 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 6 (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 | $923.3M | |
| Deposits | $733.0M | |
| Loans and leases | $780.7M | |
| Total equity | $79.1M | |
| Loans / deposits | 105.31% (p94 of band) | 82.04% |
| Liquid assets / assets | 12.03% (p9 of band) | |
| Uninsured deposits / deposits | 25.56% (p48 of band) | 25.97% |
| Brokered deposits | 22.89% | |
| Wholesale funding | 33.28% (p98 of band) | |
| FHLB advances / assets | 10.39% | |
| Tier 1 leverage | 9.31% (p19 of band) | 10.81% |
| Unrealized securities loss / equity | -3.91% (p68 of band) | -8.10% |
| AOCI / equity | -0.85% (p27 of band) | |
| ROA (annualized) | 0.63% (p15 of band) | 1.28% |
| Net interest margin | 4.09% (p60 of band) | 3.91% |
| Efficiency ratio | 69.16% (p71 of band) | |
| Noncurrent loans | 1.58% (p84 of band) | 0.43% |
| Net charge-offs (annualized) | -0.08% (p1 of band) | |
| Reserve coverage of noncurrent | 71.00% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 122.93% (p93 of band) | |
| Auto loans | $381,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 18.4% | |
| Employees | 103 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 0 |  | construction >100% equity, reserve under noncurrent, capital falling |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | construction >100% equity |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | construction >100% equity |
| 2013-09 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 |  | construction >100% equity |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 3 | construction >100% equity |  |
| 2015-09 | 2 |  | capital falling |
| 2015-12 | 2 |  |  |
| 2016-03 | 5 | loans exceed deposits, capital falling, charge-offs p90 |  |
| 2016-06 | 4 |  | charge-offs p90 |
| 2016-09 | 2 |  | construction >100% equity, loans exceed deposits |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 4 | capital falling, expense ratio p90, noncurrent p90 |  |
| 2017-09 | 4 | construction >100% equity | noncurrent p90 |
| 2017-12 | 4 | charge-offs p90 | expense ratio p90 |
| 2018-03 | 2 |  | capital falling, charge-offs p90 |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | reserve under noncurrent |
| 2018-12 | 6 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent, deposits shrinking, uninsured deposits leaving |  |
| 2019-03 | 1 |  | loans exceed deposits, wholesale funding >15%, reserve under noncurrent, deposits shrinking, uninsured deposits leaving |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 0 |  | construction >100% equity, capital falling |
| 2019-12 | 5 | loans exceed deposits, brokered >10%, wholesale funding >15%, liquid assets <10%, reserve under noncurrent |  |
| 2020-03 | 3 |  | liquid assets <10%, reserve under noncurrent |
| 2020-06 | 2 |  | brokered >10% |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 1 |  | loans exceed deposits, capital falling |
| 2021-03 | 0 |  | wholesale funding >15% |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 5 | loans exceed deposits, brokered >10%, wholesale funding >15%, deposits shrinking, uninsured deposits leaving |  |
| 2023-03 | 5 |  |  |
| 2023-06 | 4 | liquid assets <10% | deposits shrinking, uninsured deposits leaving |
| 2023-09 | 5 | uninsured deposits leaving |  |
| 2023-12 | 6 | capital falling, charge-offs p90 | uninsured deposits leaving |
| 2024-03 | 6 | construction >100% equity | capital falling |
| 2024-06 | 5 |  | charge-offs p90 |
| 2024-09 | 4 | capital falling | loans exceed deposits, liquid assets <10% |
| 2024-12 | 3 |  | capital falling |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 | loans exceed deposits | construction >100% equity |
| 2025-09 | 2 |  | loans exceed deposits |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | capital falling |  |
| 2026-06 | 6 | loans exceed deposits, reserve under noncurrent, construction >100% equity |  |

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

- 2026-07-13 [Valliance Bank celebrates grand opening of new Near Southside location - The Business Press](https://news.google.com/rss/articles/CBMirgFBVV95cUxQLWtUeFZ3RkU0RVFCcTNtc3IxbmkwaFUzekpONGFSWWM3UHdPSldnOVRpS18yVVJzSWFxb1NIOFU3WTBWX2NodXlsSnJkZVMtdW4xSXh1RkFDdGxYQ0lZdmk4b1hRc2xrRmUxNDMyY3J4OUNudmR5d1NKdWUyejh4YzFIeTJvenJVRmpPdERzRExCNHYyNWhLQmtXdlBfcmxIdDVxLWRIOGRnRHA2ZlE?oc=5) · The Business Press
- 2024-07-19 [PRESS RELEASE: Former owner of OK oil and gas services provider charged with bank fraud - Oklahoma City Free Press](https://news.google.com/rss/articles/CBMisgFBVV95cUxQeXN4ZnZhWEJMZ1Y3WUp1aFRUWkJPZEZDYTVsQmFNWF9zdW9mNHZMbnVIYWNLbm5MeFcyX3JsTk1xbUdoUW1QOUZBNlgyQ2ptQl93bGJuRVpCaXR0UDIxYlJkNzdYVkhCY00tYjVpcWNMaHVBU08wU2prMmlMbmx6WUZsVElSeHp1dGVtS05kZEpxRnM1SS01V1BQNlVCZDRQVGtlcGdaaWkwblBXVF9nSXR3?oc=5) · Oklahoma City Free Press
- 2018-11-10 [The women of Valliance Bank in McKinney - Local Profile](https://news.google.com/rss/articles/CBMigAFBVV95cUxPbU14M1dXNTdtQlM5bU9GZlQwU0lOeE5zUDg5S2RYTnBVM1paYVp0amlfaHNRVnBiMUF5Q2N3YWk0UmdmaU9IbEdhUHBhX00wdm5MNjFxRnUxbXJGZkVrVFZ5OVh1UDdrX2FYYURGazVEZVFhRE9tYURwOXVYTVRBZdIBhgFBVV95cUxNSVBzeGlxM1lBcUZVeENkRDJ3QWE3ZzZxZTZpYlh2b0lFUURUM3hOYmlKR3FHZEZCSlNzd09sTUo1WXlIZkhkNy1VYXRaczdIVUEwNU5WUjdGMmpsNkpPRzZXdjd6Q0gtYm9yYmpBSXBKS3NzSkR6VHZBTlQ0OW1pbGhKVm5ZZw?oc=5) · Local Profile
- 2010-02-26 [These walls: Valliance Bank Tower - journalrecord.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxOc21hVVdWVEV3Qkd4UXRab1VtbURZaXd6QjhFM201RVdIU2QwdEt2aVBzRDFfQzZCbVp6ZzVKb0VvcTAxdmZkMU1HVTZ0Y2MtNGdmcTM0V0w2NnY5bDljUkdhVFZBdlRIbFQwV3hnNXNqOU9hMlpPVW1IeEsweXFTWmsySkxyY2k4Tnc?oc=5) · journalrecord.com
- 2023-01-03 [Oklahoma bank, former VP allegedly aided DFW home flipper’s Ponzi scheme, according to bankruptcy trustee - The Business Journals](https://news.google.com/rss/articles/CBMijAFBVV95cUxObFh4Wl9PX3RtUFBOaXh5TERWbThId1lleXdaSTVyQzZWQU03TUxDdkVjX0JsSUpzSXlZX0ZETUhHWTlEOWlqOVRIV09XU2N5cjJjUWFQQUptWGhxczNRNzJhaUxzWUNmNGEtQ3NTdl92d1lqUUZUWjFZTjlhSnFOX0JvdngxLV9jWUx1Vg?oc=5) · The Business Journals
- 2016-07-31 [Oklahoma Business People - The Oklahoman](https://news.google.com/rss/articles/CBMikwFBVV95cUxQeVRibkdqWkZ2ZDNJT0xFUFdSVVdEWFc3V3BISW56SXlMaGNTcGlucDdnbk9xSXl6T1RJV19RMndLNUV0aGJHRnFFSTdVNzRrVWdNZU0wMjVYZ1Q1OXZwcmtQMzRvMm9oYW1oNE5NbERpRk1pc1dDamJMTUxBZEFvY1F5dGx4dk1udHNzcGhqbl9xTXc?oc=5) · The Oklahoman
- 2026-02-12 [Straw-Owner, Diversion Enterprise Shut Down in OK - CRB Monitor News](https://news.google.com/rss/articles/CBMijgFBVV95cUxNTGJ6X1dNbXJ6NzlOUUw5cGUyZTc5OXlGeE81cnR6SGpqbWdlcnFja19WQV9wZE1TdHRyTmVEd3huYmdacG1CbTJESVhpSDZHTERQX0hCUDZTU2pwYTlYUjJYMFRhSWc2WlFpN2JjXzJLNWdlLWxoNW1KNnY1eEVTbWlNUXB4YjZQWWQxRDdB?oc=5) · CRB Monitor News
- 2021-01-14 [Valliance Bank names Shelby Bruhn chief lending officer - The Business Press](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNd1JuaEVtYlNCVXMzNVVjQzducEh5cE1vRlAyM243QVhESEhtdUo5d3RocnUwLTlYRnpQaHlSQ0VEbjdNRC1aNTBIaFNxQnY1N2JHYmlieUJycV9YaW9URDRMZFgwOHE0ZEl4U3ZzaW5adVViNUhGbVJCSFRTdGdlTFJCQ3ZwdTRy?oc=5) · The Business Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57841 (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 "57841", 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