Valliance Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.4 has resulted in Excellent (7.3) profitability.
Other Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) and a capital leverage ratio of 10.4. A current level of 2.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.3).
Asset Mix:
Comm re (36%), comm loans (22%), home mtgs (11%), securities (8%), cash (7%), home eq lns (1%), consumer loans (0%), other (15%)
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
No affiliate information available.