| Metric | Vallant Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +76.5% | +5.5% | +71.0 pts |
| Deposit growth (YoY) | +70.4% | +5.1% | +65.3 pts |
| Loan growth (YoY) | +84.1% | +5.9% | +78.2 pts |
| ROA | 1.33% | 1.26% | +0.1 pts |
| ROE | 12.2% | 12.2% | +0.1 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.99B | $3.46B | $2.95B | $488.7M | $19.1M | 1.33% | 4.97% | 0.39% |
| Q1 2026 | $2.35B | $2.09B | $1.73B | $224.6M | $6.8M | 1.18% | 4.41% | 0.23% |
| Q4 2025 | $2.27B | $2.02B | $1.68B | $223.4M | $29.0M | 1.29% | 4.29% | 0.21% |
| Q3 2025 | $2.23B | $2.00B | $1.65B | $215.2M | $20.7M | 1.23% | 4.25% | 0.04% |
| Q2 2025 | $2.26B | $2.03B | $1.60B | $206.5M | $13.4M | 1.20% | 4.16% | 0.06% |
| Q1 2025 | $2.26B | $2.04B | $1.56B | $200.1M | $6.4M | 1.15% | 4.04% | 0.05% |
| Q4 2024 | $2.19B | $1.98B | $1.54B | $192.4M | $26.2M | 1.22% | 3.87% | 0.07% |
| Q3 2024 | $2.13B | $1.89B | $1.50B | $197.3M | $18.8M | 1.17% | 3.82% | 0.08% |
Loan mix (Q2 2026): real estate $2.72B · commercial $210.4M · consumer $25.9M · securities $510.0M
| Ratio | Vallant Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 1.26% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 12.2% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.97% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.4% | 59.0% | 76th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Vallant Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Vallant Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Vallant Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Vallant Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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