Bank · FDIC insured
Vallant Bank
A $4B bank, the 333rd largest of 4,207, headquartered in Elberton, GA, with 36 branches in Georgia.
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Vallant Bank
Headquartered in Elberton, Georgia, Vallant Bank was formed through the merger of Pinnacle Bank and Morris Bank.
Drawing on a legacy of over 90 years, the bank serves communities across Georgia.
- Headquarters
- 884 Elbert St, Elberton, GA 30635
- FDIC certificate
- 14065 ↗
Branches
36 branches in Georgia
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Georgia
36 branches
Atlanta area · 6
- Braselton Branch6322 Grand Hickory Dr, Braselton, GA 30517Directions
- Covington Branch6124 Highway 278 Ne, Covington, GA 30014Directions
- Dahlonega Branch81 Crown Mountain Pl, Dahlonega, GA 30533Directions
- Liberty First Bank Mo Branch1901 W Spring St, Monroe, GA 30655Directions
- Monroe Branch238 S Broad St, Monroe, GA 30655Directions
- Georgia Central Bank Branch112 N Cherokee Rd, Social Circle, GA 30025Directions
Augusta area · 4
- Augusta Downtown Branch1602 Walton Way, Augusta, GA 30904Directions
- South Augusta Branch3039 Peach Orchard Road, Augusta, GA 30906Directions
- Grovetown Branch420 Lewiston Rd, Grovetown, GA 30813Directions
- Martinez Branch375 Furys Ferry Rd, Martinez, GA 30907Directions
Athens area · 3
- Athens Branch3140 Lexington Rd, Athens, GA 30605Directions
- Athens Branch1081 Parkway Blvd, Athens, GA 30606Directions
- Lexington Branch114 N Gilmer St, Lexington, GA 30648Directions
Statesboro area · 3
- North Parker Avenue Branch29 North Parker Avenue, Brooklet, GA 30415Directions
- Brannen Street Branch777 Brannen St, Statesboro, GA 30458Directions
- Farmers & Merchants Branch201 N Main St, Statesboro, GA 30458Directions
Gainesville area · 3
- Dawsonville Highway Branch545 Dawsonville Hwy, Gainesville, GA 30501Directions
- Gainesville Branch1948 Jesse Jewell Pkwy Se, Gainesville, GA 30501Directions
- Gainesville Branch340 Jesse Jewell Pkwy Se, Gainesville, GA 30501Directions
Warner Robins area · 3
- Morris Bank - Perry Office Branch809 Carroll St, Perry, GA 31069Directions
- Highway 96 Office1041 Georgia Highway 96, Warner Robins, GA 31088Directions
- S. Houston Lake Road Office Branch464 S Houston Lake Rd, Warner Robins, GA 31088Directions
Elberton area · 2
- Vallant BankMain office884 Elbert St, Elberton, GA 30635Directions
- Downtown Branch23 College Ave, Elberton, GA 30635Directions
Cornelia area · 2
- Clarkesville Branch111 Southern Bank Dr, Clarkesville, GA 30523Directions
- Cornelia Branch218 Carpenters Cove Ln, Cornelia, GA 30531Directions
Dublin area · 2
- Dublin Mall Branch2003 Veterans Blvd, Dublin, GA 31021Directions
- Morris Bank Branch301 Bellevue Ave, Dublin, GA 31021Directions
Royston area · 2
- Franklin Springs Branch19 Westclock Cir, Royston, GA 30662Directions
- Royston Branch861 Church St, Royston, GA 30662Directions
Blairsville area · 1
- Blairsville Branch361 Blue Ridge St, Blairsville, GA 30512Directions
Bowman area · 1
- Bowman Branch1 N Broad St, Bowman, GA 30624Directions
Jefferson area · 1
- North Elm Street Branch1981 N Elm St, Commerce, GA 30529Directions
Macon area · 1
- Gray Branch110 Highway 18 Connector, Gray, GA 31032Directions
Hartwell area · 1
- Hartwell Branch135 E Franklin St, Hartwell, GA 30643Directions
Lavonia area · 1
- Lavonia Branch12321 Augusta Rd, Lavonia, GA 30553Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.70% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.51% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.33% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $86 | $88 | — |
- CapitalLeverage ratio12.70%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.51%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.33%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$86Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Vallant Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.