Valliance Bank
Major Rating Factors:
A current level of 14.5 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Fair asset quality (3.1). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.6 has resulted in Weak (2.0) profitability.
Other Rating Factors:
Excellent current capitalization (7.5 on a scale of 0 to 10) and a capital leverage ratio of 9.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Asset Mix:
Comm re (36%), comm loans (23%), home mtgs (9%), securities (7%), cash (4%), home eq lns (1%), consumer loans (0%), other (19%)
States with Branches:
OK, TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Valliance Financial Corp.
Investment Rating
--
Address
1601 Northwest Expressway
Oklahoma City, OK 73118
Oklahoma City, OK 73118
Phone Number
(405) 286-5700
Year Founded
2004
FDIC Number
Website
Largest Affiliates
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