Valliance Bank
Valliance Bank is a regional commercial bank offering business and personal banking products—including checking, savings, loans, treasury management, and CRE financing—to SMBs, professionals, and consumers across Oklahoma, Texas, and Georgia, operating as a subsidiary of Vallant Financial Inc. (OTCQX: VLNT).
- Company typePublic
- Founded2004
- HeadquartersOklahoma City, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Valliance Bank does
Valliance Bank is a regional commercial bank headquartered in Oklahoma City that provides personal and business banking services to small and mid-size businesses, professionals, and consumers across Oklahoma and Texas through six physical branch locations. The bank operates as the wholly-owned banking subsidiary of Vallant Financial, Inc., a publicly traded bank holding company listed on the OTCQX Best Market under the symbol VLNT. Following the April 2026 merger with Morris State Bancshares, the combined organization (Vallant Financial) holds pro forma total assets of $3.98 billion and operates 36 branches across Georgia plus the existing Oklahoma and Texas locations, with Vallant Bank serving as the consolidated banking subsidiary.
The bank's product portfolio spans business checking, business savings, business loans, and treasury management, supplemented by personal checking and personal savings accounts. Core technology infrastructure consists of standard mobile banking applications on iOS and Android (with established App Store and Google Play presence), an online banking portal, and a multi-state ATM network. Treasury management platforms provide cash management and payment processing tools targeted at commercial clients, while commercial real estate financing and practice loans address the investor/developer and professional verticals respectively. The bank is FDIC-insured and emphasizes a dedicated relationship-banker model with direct cell-phone access for clients.
Valliance generates revenue through a traditional community banking model: net interest income from commercial lending (business loans, CRE financing, practice loans) forms the primary revenue stream, supplemented by non-interest income from treasury management service fees, wire transfers, deposit account charges, and other banking service fees. Deposit growth of $60.1 million was reported during Q1 2026 by the Morris State entity prior to the merger. Pricing is quote-based and varies by account type, transaction volume, and customer relationship scope, with specific rates not publicly disclosed. The bank reported Q1 2026 net income of $6.4 million ($4.63 per diluted share) at the parent level, though this figure was depressed by the Morris State merger-related charges of $14.5 million that drove a $6.75 million net loss at Morris State during the quarter.
Valliance Bank firmographics
Firmographics- Name
- Valliance Bank
- Legal name
- Valliance Bank
- Website
- https://vbank.com
- Company type
- Public
- Founded year
- 2004
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Valliance Bank is a regional commercial bank offering business and personal banking products—including checking, savings, loans, treasury management, and CRE financing—to SMBs, professionals, and consumers across Oklahoma, Texas, and Georgia, operating as a subsidiary of Vallant Financial Inc. (OTCQX: VLNT).
- Ownership category
- akta.pro rank
Valliance Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Real Estate (Commercial Property, REITs) (FSABACAH)
- akta.pro secondary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
Keywords
Where Valliance Bank is headquartered
LocationHeadquarters
- HQ city
- Oklahoma City
- HQ country
- United States
- HQ region
- North America
Offices7 records
Markets served
Valliance Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income: Revenue generated from lending activities including business loans, commercial real estate financing, and other credit products. Primary income driver for the bank.
- Deposit Services: Checking and savings account services generating fee income and access to low-cost funding. Reported $60.1 million in deposit growth during Q1 2026.
- Non-Interest Income: Fee income from treasury management services, wire transfers, and other banking service charges.
- Treasury Management Services: Commercial banking services for financial operations including cash management and payment processing.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Business Checking - Multiple tiers for different business sizes and needs |
| Subscription | Monthly | Business Savings - Growth-focused savings accounts for businesses |
| Other | Pay-as-you-go | Business Loans - Customized lending solutions |
| Subscription | Monthly | Personal Banking - Checking and Savings |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
Valliance Bank product offering
Product offeringCore offering
Valliance Bank is a regional commercial bank offering business and personal banking services, including checking and savings accounts, commercial loans, and treasury management. It operates through physical branches in Oklahoma and Texas (and Georgia following the merger with Morris State Bancshares), complemented by mobile and online banking channels.
Product overview
Valliance Bank is a regional commercial bank offering a unified suite of banking products and services for businesses and professionals. The core portfolio consists of Business Banking products (Checking, Savings, Loans, and Treasury Management) and Personal Banking products (Checking and Savings), supported by a Mobile Banking App for digital access. The bank operates across Oklahoma and Texas with physical branch locations while maintaining FDIC insurance coverage.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Checking Business checking accounts for small to mid-size businesses and organizations to manage day-to-day operating funds.
- Business Savings Business savings accounts enabling companies to hold and grow reserve funds.
- Business Loans Commercial lending products for businesses, professionals, and real estate investors and developers.
- Treasury Management Treasury management services helping business clients manage cash flow, payments, and liquidity.
- Personal Checking Personal checking accounts for individual consumers.
- Personal Savings Personal savings accounts for individual consumers to save funds.
- Mobile Banking App Mobile banking application allowing customers to access accounts and conduct banking transactions digitally.
Companies that use Valliance Bank
Customer profileSegments6 records
Ideal customer profiles3 records
Valliance Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature3 records
Valliance Bank partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Morris State BancsharesflagshipMorris State Bancshares completed merger with Vallant Financial effective April 1, 2026 to create a combined entity with pro forma total assets of $3.98 billion. Morris State reported net loss of $6.75 million due to $14.5 million in merger-related charges. The combined company operates as Vallant Financial Inc. with subsidiary Vallant Bank, rebranding across 36 branch locations in Georgia. This merger significantly expands geographic footprint and asset base.
Scale indicators5 records
Recent moves4 records
Expansion highlights5 records
Valliance Bank competitors and assessment
Company assessmentDirect peers
- BancFirst Corporation: Oklahoma-headquartered bank holding company operating BankFirst across Oklahoma, with a similar community/commercial banking model targeting businesses, professionals, and consumers. Directly comparable as an Oklahoma-rooted regional bank with multi-city branch presence.
- Independent Bank Group: Texas-based community banking franchise with operations across Texas and the Southeast, similar in size, relationship-banking orientation, and SMB/professional customer focus. Highly comparable post-Morris State merger as Valliance expands into Texas-adjacent markets.
- ServisFirst Bancshares: Southeast-headquartered regional bank with a relationship-banking model focused on businesses and professionals, similar in asset size and growth orientation. Direct competitor in Georgia following the Morris State merger.
- Pinnacle Financial Partners: Mid-size regional bank known for a relationship-based commercial banking model targeting businesses, professionals, and high-net-worth individuals. Closely comparable operating philosophy and customer segmentation, though in different geographies.
- Atlantic Union Bankshares: Mid-Atlantic regional bank built largely through mergers, with a commercial banking model focused on businesses and professionals. Useful comparable for the post-merger integration trajectory and relationship-banking economics at a similar asset-size band.
Broad incumbents
- Prosperity Bancshares: Large Texas-anchored regional bank with a community-banking model serving consumers and small-to-mid businesses. Comparable customer mix and geographic overlap in Texas, but materially larger scale and broader branch footprint.
- SouthState Corporation: Large Southeastern regional bank resulting from a sustained M&A roll-up, with operations across the Southeast including Georgia. A useful comparable for the post-merger roll-up trajectory and for direct competition in Georgia.
- BOK Financial: Oklahoma-headquartered bank holding company and the dominant commercial bank in the state, with national energy and commercial banking lines. Overlaps Valliance in Oklahoma SMB and commercial real estate lending but operates at materially larger scale.
- Cadence Bank: Southeastern regional bank with a community-banking model and commercial banking focus across Texas, Georgia, and the Southeast. Comparable customer mix and direct geographic overlap in Texas and Georgia markets.
- First Horizon Corporation: Large Southeastern regional bank with a community-banking and commercial banking franchise spanning the Mid-South and Southeast. Comparable in business-banking orientation but at much larger scale and broader geographic reach.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Valliance Bank social profiles
Digital presenceValliance Bank compliance and trust
Trust signalCompliance1 record
Valliance Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Valliance Bank leadership team
Management profileNumber of profiles
Valliance Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Valliance Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Valliance Bank
What does Valliance Bank do?
Valliance Bank is a regional commercial bank offering business and personal banking services, including checking and savings accounts, commercial loans, and treasury management. It operates through physical branches in Oklahoma and Texas (and Georgia following the merger with Morris State Bancshares), complemented by mobile and online banking channels.
Is Valliance Bank a public or private company?
Valliance Bank is a public company. It is classified as public and is currently operating.
When was Valliance Bank founded?
Valliance Bank was founded in 2004. It employs 51 to 100 people.
Where is Valliance Bank based?
Valliance Bank is headquartered in Oklahoma City, United States, in the North America region.
How does Valliance Bank make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are deposit Services, non-Interest Income and treasury Management Services.
Who are Valliance Bank's main competitors?
Direct peers on record are BancFirst Corporation, Independent Bank Group, ServisFirst Bancshares, Pinnacle Financial Partners and Atlantic Union Bankshares. Broad incumbents are Prosperity Bancshares, SouthState Corporation, BOK Financial, Cadence Bank and First Horizon Corporation.
Does Valliance Bank have an API?
No public API is recorded for Valliance Bank.
What industry is Valliance Bank in?
Valliance Bank's product category is Community Banking. Its primary akta.pro industry code is FSABACAH, Real Estate (Commercial Property, REITs), with a secondary code of FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 52211 and its SIC code is 6022.