BlastPoint's Banking Scorecard
VALOR BANK
Micro
Specialty: Commercial
OK
FDIC cert 9467
Designations: ✓ Community bank
Edmond, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
VALOR BANK has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.08% above tier
- + Non-Interest Income / Assets 0.54% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 27.26% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$286.6M
+6.8% YoY
+5.6% QoQ
|
+$69.1M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$248.6M
+7.6% YoY
+6.2% QoQ
|
+$109.4M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
84% |
| Total Deposits ? |
$244.2M
+3.2% YoY
-0.6% QoQ
|
+$60.5M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
2.16%
+37.8% YoY
-2.3% QoQ
|
+1.08% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
4.53%
+18.7% YoY
+0.7% QoQ
|
+0.68% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
57.43%
-9.1% YoY
+0.6% QoQ
|
-10.29% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
0.00%
-60.2% YoY
-98.5% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
101.79%
+4.2% YoY
+6.9% QoQ
|
+27.26% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.35%
+19.3% YoY
+6.8% QoQ
|
-10.04% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.00%
-59.9% YoY
-98.5% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
84% |
| Tier 1 Capital Ratio ? |
12.02%
+4.3% YoY
-3.4% QoQ
|
+3.16% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
58% |
| Non-Interest Income / Assets ? |
1.10%
+3.4% YoY
+22.0% QoQ
|
+0.54% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 7%
in Micro
Why this stands out
Current:
2.16%
(Tier avg: 1.08%, National avg: 1.12%)
Non-Interest Income / Assets
metric
Top 7%
in Micro
Why this stands out
Current:
1.10%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
101.79%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Non-Interest Income / Assets
Current: 1.10% · Tier avg: 0.56%
93
93th pctile
Return on Assets
Current: 2.16% · Tier avg: 1.08%
84
84th pctile
Total Loans
Current: $248.6M · Tier avg: $139.2M
84
84th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
83
83th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
80
80th pctile
Net Interest Margin
Current: 4.53% · Tier avg: 3.85%
74
74th pctile
Efficiency Ratio
Current: 57.43% · Tier avg: 67.73%
69
69th pctile
Total Assets
Current: $286.6M · Tier avg: $217.5M
69
69th pctile
Total Deposits
Current: $244.2M · Tier avg: $183.7M
58
58th pctile
Tier 1 Capital Ratio
Current: 12.02% · Tier avg: 8.85%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.35% · Tier avg: 22.39%
7
7th pctile
Loan-to-Deposit Ratio
Current: 101.79% · Tier avg: 74.53%
Top Weaknesses
7
7th pctile
Loan-to-Deposit Ratio
Current: 101.79% · Tier avg: 74.53%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.35% · Tier avg: 22.39%
58
58th pctile
Tier 1 Capital Ratio
Current: 12.02% · Tier avg: 8.85%
69
69th pctile
Total Deposits
Current: $244.2M · Tier avg: $183.7M
69
69th pctile
Total Assets
Current: $286.6M · Tier avg: $217.5M
74
74th pctile
Efficiency Ratio
Current: 57.43% · Tier avg: 67.73%
80
80th pctile
Net Interest Margin
Current: 4.53% · Tier avg: 3.85%
83
83th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
84
84th pctile
Total Loans
Current: $248.6M · Tier avg: $139.2M
93
93th pctile
Return on Assets
Current: 2.16% · Tier avg: 1.08%
93
93th pctile
Non-Interest Income / Assets
Current: 1.10% · Tier avg: 0.56%