$1.75B
+10.8%y/y
Percentile by value84th percentileby value
FDIC
LNLSGRVB
Vallant Bank
Elberton, GeorgiaFDIC Cert #14065
STATEEstablished 193426 branches
Holding company: VALLANT FINANCIAL INCRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $349M |
| Investor CRE | $375M |
| Multifamily | $50.4M |
| Construction | $147M |
| 1–4 family | $364M |
| C&I | $141M |
| Agriculture | $296M |
| Other | $29.7M |
Loan book
Reported balances and balance-sheet intensity.
$1.73B
+10.9%y/y
Percentile by value84th percentileby value
FDIC
LNLSNET+10.87%
+151.9%y/y
Percentile by value73rd percentileby value
FDIC
LNLSNET82.8%
+8.0%y/y
Percentile by value45th percentileby value
FDIC
LNLSNET + DEP73.8%
+6.9%y/y
Percentile by value57th percentileby value
FDIC
LNLSNET + ASSET95.13%
+1.9%y/y
Percentile by value85th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
233%
+2.1%y/y
Percentile by value50th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC60%
+5.3%y/y
Percentile by value62nd percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,735points
+1.8%y/y
Peer standing71st percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD19.92%
−1.2%y/y
Percentile by value82nd percentileby value
FDIC
LNRENROW + LNLSGR21.39%
−1.2%y/y
Percentile by value57th percentileby value
FDIC
LNRENROT + LNLSGR8.06%
−8.6%y/y
Percentile by value33rd percentileby value
FDIC
LNCI + LNLSGR