VALOR BANK: how it compares with its peers
Against 68 OK banks with half to twice its assets, VALOR BANK's strongest measure in Q2 2026 is return on assets (2.15% vs. a 1.44% peer median). Its weakest relative measure is assets per employee ($5.9M vs. $6.4M).
| Measure | VALOR BANK | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.15% | 1.44% | Top third Ahead of 87% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.77% | 4.19% | Top third Ahead of 75% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.61% | 61.19% | Middle third Ahead of 56% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $6.4M | Middle third Ahead of 40% of peers |
| Loans to deposits Net loans and leases over total deposits. | 99.81% | 75.44% | Context |
What it means for lending operations
Its efficiency ratio of 58.61% is better than the 61.19% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Bankers Bank Oklahoma City, OK · $311M
- McClain Bank Purcell, OK · $294M
- The First National Bank & Trust Elk City, OK · $294M
- The Payne County Bank Perkins, OK · $313M
- Patrons Bank, National Association Okmulgee, OK · $314M
Questions about VALOR BANK
How big is VALOR BANK?
VALOR BANK, established in 1930, is headquartered in Edmond, OK. It reported $303M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is VALOR BANK's return on assets?
2.15% annualized in Q2 2026, against a 1.44% median for 68 OK banks with half to twice its assets, ahead of 87% of them.
What is VALOR BANK's efficiency ratio?
58.61% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 61.19%, and lower is better.
Is VALOR BANK growing its loans?
Net loans grew 6.5% over the year to Q2 2026, while deposits grew 3.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.