Bank · FDIC insured
Valor Bank
A $302.6M bank headquartered in Edmond, OK, with 1 branch in Oklahoma. Best rates: CDs 3.75% and savings 1.85% APY.
Valor Bank Carrot Score
82
Carrot Score
Higher than 60% of U.S. banks and credit unions
#19 of 47 in Oklahoma City, OK metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Valor Bank
On September 12, 2014, local bankers and business leaders purchased the First State Bank charter, which became Valor Bank in 2015.
The locally owned bank focuses on real estate and business lending.
- Headquarters
- 1501 Renaissance Blvd, Edmond, OK 73013
- FDIC certificate
- 9467 ↗
Branches
1 branch in Oklahoma
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Oklahoma
1 branch
- Valor BankMain office1501 Renaissance Blvd, Edmond, OK 73013Directions
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 | 8.70% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.32% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.15% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $101 | $81 | — |
- CapitalLeverage ratio8.70%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.32%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.15%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$101Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 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 Valor Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.