# VALLIANCE BANK
MCKINNEY, TX · FDIC certificate 58572 · asset band <$300M · latest filing 2012-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $67.8M | |
| Deposits | $51.3M | |
| Loans and leases | $39.5M | |
| Total equity | $7.6M | |
| Loans / deposits | 74.87% (p62 of band) | 69.17% |
| Liquid assets / assets | 27.93% (p34 of band) | |
| Uninsured deposits / deposits | 15.79% (p82 of band) | 8.28% |
| Brokered deposits | 1.10% | |
| Wholesale funding | 13.34% (p91 of band) | |
| FHLB advances / assets | 12.25% | |
| Tier 1 leverage | 10.06% (p51 of band) | 10.02% |
| Unrealized securities loss / equity | 2.01% (p38 of band) | 3.21% |
| AOCI / equity | 1.28% (p86 of band) | |
| ROA (annualized) | -1.77% (p3 of band) | 0.78% |
| Net interest margin | 4.25% (p76 of band) | 3.76% |
| Efficiency ratio | 146.46% (p98 of band) | |
| Noncurrent loans | 0.60% (p32 of band) | 1.31% |
| Net charge-offs (annualized) | 0.00% (p25 of band) | |
| Reserve coverage of noncurrent | 464.14% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 140.03% (p98 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.6% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | wholesale funding >15%, losing money, expense ratio p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 | noncurrent p90 | charge-offs p90 |
| 2011-09 | 7 | charge-offs p90 |  |
| 2011-12 | 5 |  | noncurrent p90, charge-offs p90 |
| 2012-03 | 10 | capital falling, noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 4 |  | wholesale funding >15%, reserve under noncurrent, capital falling, noncurrent p90, deposits shrinking, uninsured deposits leaving |

## 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
- 2018-11-10 [The women of Valliance Bank in McKinney - Local Profile](https://news.google.com/rss/articles/CBMigAFBVV95cUxPbU14M1dXNTdtQlM5bU9GZlQwU0lOeE5zUDg5S2RYTnBVM1paYVp0amlfaHNRVnBiMUF5Q2N3YWk0UmdmaU9IbEdhUHBhX00wdm5MNjFxRnUxbXJGZkVrVFZ5OVh1UDdrX2FYYURGazVEZVFhRE9tYURwOXVYTVRBZdIBhgFBVV95cUxNSVBzeGlxM1lBcUZVeENkRDJ3QWE3ZzZxZTZpYlh2b0lFUURUM3hOYmlKR3FHZEZCSlNzd09sTUo1WXlIZkhkNy1VYXRaczdIVUEwNU5WUjdGMmpsNkpPRzZXdjd6Q0gtYm9yYmpBSXBKS3NzSkR6VHZBTlQ0OW1pbGhKVm5ZZw?oc=5) · Local Profile
- 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
- 2026-07-15 [Valliance Bank Celebrates New Location With Ribbon Cutting - The Business Press](https://news.google.com/rss/articles/CBMingFBVV95cUxNcDFzNlY3UDRQR0FEQXZqQnB2eFhIU2drRk1JTEdjcld1OG1rNHhBZWVxVUNzVVZDNnRGQ3JnSHp4QktITFY1UjQtSUNXUXEyZ0hWUFZkZVR2WmVpc2Y3ZjB6T1RBQ01jSkIzYlpwZjdENmktN2lVWE5mTm1ZNFl6dWQ1cVpDMkR2LWg0NlRNbDJZWGE2c2Y3VnFzaTBnUQ?oc=5) · The Business Press
- 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
- 2010-02-26 [These walls: Valliance Bank Tower - journalrecord.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxOc21hVVdWVEV3Qkd4UXRab1VtbURZaXd6QjhFM201RVdIU2QwdEt2aVBzRDFfQzZCbVp6ZzVKb0VvcTAxdmZkMU1HVTZ0Y2MtNGdmcTM0V0w2NnY5bDljUkdhVFZBdlRIbFQwV3hnNXNqOU9hMlpPVW1IeEsweXFTWmsySkxyY2k4Tnc?oc=5) · journalrecord.com
- 2019-04-05 [Meet the leaders of Valliance Bank, McKinney - Local Profile](https://news.google.com/rss/articles/CBMifkFVX3lxTE02aDZHU2xwZkowdmZ6ZkFCcUg3TGJqQnFKMlhfV1NDUVRwR1BYcDFaa1hnZU9MdXNTYmpoU2o1eHp0NW1NTTU5UTB0SWtBakM4Nzd5UG9KQ2RTT0lZRjZiNWxJUXd6STFaMU5DaGRyYkRESVZnYUh2a2pEcnJZUdIBgwFBVV95cUxOMW53YzFIR2lDVFBYbDVEX3R5N0RuREZXR0U1Q0laX0pwVjNJY3pwRExnTkdLRlFNTWJ0U1FqQzhXbTJDUXhQMWN2TmdKM2tab1BCdkhvQ3RPTzhkbE12MThwTk1BZUUxT2RsN2dtT0pQY2Z4dlhWeEQ3ZzktMzB5cnhJaw?oc=5) · Local Profile
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58572 (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/12.json (key "58572", 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