# VALOR BANK
EDMOND, OK · FDIC certificate 9467 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $302.6M | |
| Deposits | $262.1M | |
| Loans and leases | $263.8M | |
| Total equity | $26.2M | |
| Loans / deposits | 99.81% (p88 of band) | 82.04% |
| Liquid assets / assets | 11.53% (p8 of band) | |
| Uninsured deposits / deposits | 19.79% (p28 of band) | 25.97% |
| Brokered deposits | 1.33% | |
| Wholesale funding | 5.62% (p61 of band) | |
| FHLB advances / assets | 4.29% | |
| Tier 1 leverage | 8.70% (p8 of band) | 10.81% |
| Unrealized securities loss / equity | 0.00% (p98 of band) | -8.10% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 2.15% (p90 of band) | 1.28% |
| Net interest margin | 4.77% (p89 of band) | 3.91% |
| Efficiency ratio | 58.61% (p42 of band) | |
| Noncurrent loans | 0.32% (p43 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p40 of band) | |
| Reserve coverage of noncurrent | 274.19% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 133.44% (p95 of band) | |
| Auto loans | $252,000 (0.10% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 51 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | leverage <7% |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | reserve under noncurrent |  |
| 2012-09 | 1 |  | reserve under noncurrent |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 2 | reserve under noncurrent | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 5 | noncurrent p90, deposits shrinking, assets shrinking |  |
| 2014-09 | 8 | losing money, expense ratio p90, NIM <2.5%, uninsured deposits leaving | leverage <7% |
| 2014-12 | 5 |  | losing money, expense ratio p90, uninsured deposits leaving |
| 2015-03 | 4 | uninsured deposits leaving | noncurrent p90, NIM <2.5% |
| 2015-06 | 4 |  |  |
| 2015-09 | 6 | loans exceed deposits, liquid assets <10% |  |
| 2015-12 | 3 | wholesale funding >15% | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-03 | 4 | brokered >10% |  |
| 2016-06 | 5 | capital falling |  |
| 2016-09 | 3 |  | loans exceed deposits, wholesale funding >15% |
| 2016-12 | 0 |  | liquid assets <10%, brokered >10%, capital falling |
| 2017-03 | 3 | liquid assets <10%, expense ratio p90, construction >100% equity |  |
| 2017-06 | 3 | loans exceed deposits | expense ratio p90 |
| 2017-09 | 3 | brokered >10% | loans exceed deposits |
| 2017-12 | 5 | loans exceed deposits, wholesale funding >15% |  |
| 2018-03 | 5 |  |  |
| 2018-06 | 5 | capital falling | brokered >10% |
| 2018-09 | 5 | brokered >10% | capital falling |
| 2018-12 | 5 |  |  |
| 2019-03 | 5 |  |  |
| 2019-06 | 5 |  |  |
| 2019-09 | 4 | capital falling | loans exceed deposits, wholesale funding >15% |
| 2019-12 | 2 |  | liquid assets <10%, brokered >10% |
| 2020-03 | 3 | brokered >10%, liquid assets <10% | capital falling |
| 2020-06 | 1 |  | brokered >10%, liquid assets <10% |
| 2020-09 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2020-12 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 3 | liquid assets <10%, uninsured deposits leaving |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 5 | loans exceed deposits, capital falling |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 2 |  | liquid assets <10%, uninsured deposits leaving, loans exceed deposits |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | loans exceed deposits |  |
| 2026-03 | 1 |  | loans exceed deposits |
| 2026-06 | 2 | capital falling |  |

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

- 2021-07-16 [Valor Bank commits to community aid - Edmond Life & Leisure](https://news.google.com/rss/articles/CBMiigFBVV95cUxPbWw5ZnFRcmlMcUZmMnIzQkhwdlZMVlI4ZlZHSU9VVUZTSzFJdFo5SE9JRGVWQlI5TGpURmJMVUdHNU9sblFEb19fbGtoNkJ5MG4xb0NpUURBN19LVUtBc2lmYlZNQXhQamVMeVFzVDNtdXA0ai1JQ3I5LXNTY2pUUGYyTVdpNmg1N1E?oc=5) · Edmond Life &amp; Leisure
- 2024-10-23 [2023 ABA Emerging Leader Award Winners - American Bankers Association (ABA)](https://news.google.com/rss/articles/CBMiswFBVV95cUxQWTRLbVhsS1RCQ2JIbE1MU2xjUGF4eE9RX09XLVpyRU1ZZkFRb1cyTl9Ma0FUUmFPRzJ6aUhIbW9qMmIxOUFRTUIyc0Q2TzNwSUZoMDVKT2xPMFJpMnpxOXFMOC11NmJrTlJFUm5RM0M1bm1lU2ZJX1VIY0NZWk5lcU1TZk1yeFZWSGNVaDNKSjdRWGNtS2NCc0p0Tm9oVnV5ZmtpSlJtbkdMa05HeExPUHlyaw?oc=5) · American Bankers Association (ABA)
- 2016-12-18 [A grand opening for Valor Bank - Edmond Life & Leisure](https://news.google.com/rss/articles/CBMigwFBVV95cUxQNXpha0hfTXRhTU85Q1NnczI2LVkxNWZBZ0VVME55c2k3Z21qVF85MUp1N1dCeUtkRXpvRnVQdGFpaS0yaENPNl9ZWTJiV0l4Ny1SQzdocnY4RWxZNXhpNmVSVXY3WEFEMGRmVGl2Tm02WjA3RnFCc25iaU94THNPOE9yOA?oc=5) · Edmond Life &amp; Leisure
- 2024-03-11 [Stitt appoints Arcadia businessman, OSU alum to fill open position on OSU/A&M regents' board - The Oklahoman](https://news.google.com/rss/articles/CBMi4wFBVV95cUxPdTVoZkZjY0xLMGdCODRTMDY2SUZlMnBSTjZpV0VRLVZoN0FrRkF3X093X0IwTmZhRU81UVgzYzY3RHZuaUtiTDc1SmU0ZlFPOU1WUFhfMnBjbUdWbUNrb1lWampEUlFWczlBVUhhNm5uenR4N19VUGJmWXNHbGhqNkhkbXdETVV5cDdta3NvNXAyZFZ5ZmJkOENLVV96MWtNV0FrSWJ2SV82ZWZvRnJqXzAwcnhCM1dSc3BBNXlJc1lINm1BR1F6SkJ5TXF3RlJoYVV0QTZnVFFyMXJuaUd5Z0dVYw?oc=5) · The Oklahoman
- 2023-02-21 [Lively Hotel to Join OAK Mixed-Use Development - LODGING Magazine](https://news.google.com/rss/articles/CBMigAFBVV95cUxOcTJhcTJFZ0haZk9SdnlDa2tyUC1KVHdGT1k0bWN4dHB3TWlkdjY4Vzl0ZndzWERyaUxXM0JnUEZlRW1OcGxteEpBZkpqbzlFZHpldmQ1R1JGNTk0d1g3X2t2RGJ3UVBoZDRtMkpIUEEwZ3c2Y1pVVG8tMVliSlpRaQ?oc=5) · LODGING Magazine
- 2016-10-26 [BOTW Valor Bank - Edmond Life & Leisure](https://news.google.com/rss/articles/CBMicEFVX3lxTE9Od2ZONTBCZWkzbW5mZ0pJSzBzTlZKZmVISXZZekZLS3pNMFhFSEhXOUNYTFQ0QlczTldqdkVqRmlIRWNDYUg1bzkySnJ6MTlqMV9IVHo4Rm1oSlVWYWh1V2J6eEJTdFhmdXVGZmVUNlU?oc=5) · Edmond Life &amp; Leisure
- 2016-08-28 [Valor Bank welcomes Coldwater to its staff - Edmond Life & Leisure](https://news.google.com/rss/articles/CBMikwFBVV95cUxQbFpYQmhwMmxSS2ZJNkNTczFlQkEza3FnVkxUU3dYb2cwV21xZ3BvbkVCcFhDU1FEY1c0RmdrRWtvVFlVdW5ZZXctYlpxcjNmTHExMFNtNkxNbDlhS0pVLUNNMm8tOTBhd3VVdjZUU2lZcHhxS2llSDdNbmVoMUQ2VUo3bEZpTWhlcjd1N0xFTGJMZGM?oc=5) · Edmond Life &amp; Leisure
- 2026-02-07 [Leadership Edmond marks its 40th year - Edmond Life & Leisure](https://news.google.com/rss/articles/CBMiigFBVV95cUxNUWIzN1NiOXg4aTVweU42ME5rVmJUT2NOVElkMDRoSFFCckZRVWVvVElQZ0xabEtHS3Ayc2tsc1dMVU5BakYxUnFVVHNjU21oYnlZMzR6Yjl0SUhYY0d2WFFibHFyczFYOUNpaThJdlJQblVwY3dyOU52Uy0zQ3NWZEtnYmdHUldZT1E?oc=5) · Edmond Life &amp; Leisure

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9467 (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/59.json (key "9467", 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.

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