VALOR BANK

Headquarters

1501 Renaissance Blvd.
Edmond, OK 73013
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.26% 0.95% →
1-Year CD 0.95% 1.01% →
2-Year CD 1.05% 0.95% →
5-Year CD 1.05% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

VALOR BANK is an FDIC insured institution located in Edmond, OK. It was founded in 1930 and has approximately $0.1 billion in assets.

FDIC Insured Yes
FDIC Certificate # 9467
Date Established 1930
Assets $ 100.75 million
Loans $ 88.94 million
Deposits $ 91.68 million
Capital $ 8.68 million
 

For a more detailed analysis of VALOR BANK's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 27, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.26% $2,500 $4,999 Learn More
Money Market
0.50% $2,500 $2,999 Learn More
Money Market
0.60% $10,000 $14,999 Learn More
Money Market
0.60% $25,000 $29,999 Learn More
Money Market
0.75% $100,000 $250,000 Learn More
Money Market
1.00% $250,000 - Learn More
CD Rates APY MIN MAX
3 Mo CD
0.65% $10,000 $14,999 Learn More
3 Mo CD
0.65% $100,000 $199,999 Learn More
6 Mo CD
0.75% $10,000 $14,999 Learn More
6 Mo CD
0.75% $100,000 $199,999 Learn More
12 Mo CD
0.95% $10,000 $14,999 Learn More
12 Mo CD
0.95% $100,000 $199,999 Learn More
18 Mo CD
1.00% $10,000 $14,999 Learn More
18 Mo CD
1.00% $100,000 $199,999 Learn More
24 Mo CD
1.05% $10,000 $14,999 Learn More
24 Mo CD
1.05% $100,000 $199,999 Learn More
36 Mo CD
1.05% $10,000 $14,999 Learn More
36 Mo CD
1.05% $100,000 $199,999 Learn More
48 Mo CD
1.05% $10,000 $14,999 Learn More
48 Mo CD
1.05% $100,000 $199,999 Learn More
60 Mo CD
1.05% $10,000 $14,999 Learn More
60 Mo CD
1.05% $100,000 $199,999 Learn More

Variable IRA Rates APY MIN MAX
18 mo IRA
0.95% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
INTCK
0.60% $1 $99 Learn MoreShow Less
INTCK
0.60% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 27, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for VALOR BANK

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.674% 2.625% 0.63 $1,595 $1,005 Learn More
1Rate, Inc
NMLS ID: 1948084
License#: MC-7051
2.561% 2.500% 0.75 $2,021 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.500 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to VALOR BANK
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

VALOR BANK branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


VALOR BANK Locations


Financial Details

VALOR BANK Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of VALOR BANK. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
VALOR BANK U.S. Bank Average
0% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, VALOR BANK had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $8,677,000 in equity and $677,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
VALOR BANK U.S. Bank Average
15.18% 7.80%

VALOR BANK has a Return on Equity of 15.18% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
VALOR BANK U.S. Bank Average
8.61% 12.68%

VALOR BANK has a Capitalization of 8.61% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

VALOR BANK Balance Sheet Analysis

As of March 31, 2020, VALOR BANK had assets of $100,746,000, loans of $88,937,000, and deposits of $91,683,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 2.66 million
Interest-bearing balances $ 2.00 million
Total securities N.A.
Federal funds sold and reverse repurchase $ 3.96 million
Net loans and leases $ 88.94 million
Loan loss allowance $ 0.68 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 1.33 million
     Total Assets $ 92.07 million
LIABILITIES
Total deposits $ 91.68 million
      Interest-bearing deposits $ 87.20 million
      Deposits held in domestic offices $ 91.68 million
      % insured (estimated) 79.34%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.39 million
      Total Liabilities $ 92.07 million
      Shareholders’ Equity $ 8.68 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 1.29 million
Total Interest Expense $ 0.46 million
Net interest income $ 0.83 million
Provision for loan and lease losses $ 0.04 million
Total non interest income $ 0.66 million
Total non interest expense $ 1.11 million
Pre-tax Net Operating Income $ 0.34 million

Bank Loan Profile?

The top three loan types in VALOR BANK’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks in Oklahoma, VALOR BANK has a significantly higher percent of 1-4 Family Residential Loans, Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 58.55
Multifamily
Mortgages
0.56
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 14.77
Commercial Real Estate 22.84
Commercial and Industrial Loans 2.97
Farm Loans 0.03

Frequently Asked Questions About Valor Bank

Branches and Savings

Is Valor Bank FDIC insured?

Yes. It is covered under FDIC Certificate #9467.

Why does Valor Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Valor Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Valor Bank a commercial bank?

Yes

Where are Valor Bank locations?

See branch locations nearby.

Is Valor Bank open on Saturdays?

Is Valor Bank open on Sundays?

What time does Valor Bank open?

What time does Valor Bank close?

Are Valor Bank ATMs Open 24/7?

Do Valor Bank ATMs accept cash deposits?

Can Valor Bank customers use other ATMs?

Do Valor Bank branches have notaries?

Will Valor Bank notarize my document?

What address for Valor Bank should I put for incoming ACH transfers?

Will the Valor Bank branch print checks?

Do Valor Bank checks expire?

Does Valor Bank require US citizenship to open account?

Can Valor Bank close my account?

Does Valor Bank Report to credit bureaus?

Does Valor Bank Use Equifax?

What is Valor Bank's ACH Routing Number?

What is Valor Bank's SWIFT code?

Products

Does Valor Bank offer mortgages?

Compare mortgage rates here.

Does Valor Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Valor Bank offer personal loans?

Compare personal loan rates here.

Does Valor Bank offer student loans?

Will Valor Bank cash a check?

Will Valor Bank redeem a savings bond?

Does Valor Bank cash savings bonds?

Will Valor Bank cash money orders?

Can Valor Bank issue a money order?

Does Valor Bank do currency exchange?

Background on The Bank

Who owns Valor Bank?

How long has Valor Bank been around?

Can Valor Bank transfer to other banks?

Does Valor Bank have quick pay?

Does Valor Bank accept rolled coins?

Will Valor Bank accept loose change?

Where is Valor Bank headquarters?

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