Question 1

What is Valor Bank?

Accepted Answer

Valor Bank is a community-focused commercial bank headquartered in Edmond, Oklahoma. As a state-chartered, FDIC-insured institution, the bank specializes in residential lending, commercial real estate, and construction financing. With approximately $271 million in total assets and a strong focus on serving the local Oklahoma City metropolitan area, Valor Bank distinguishes itself through its faith-based values and commitment to community service.

The bank operates as a locally owned institution with a unique "Giving Vision" that donates 10% of its annual profits to nonprofit organizations making positive impacts in the community.

Question 2

When was Valor Bank founded?

Accepted Answer

Valor Bank was established on June 1, 1930, during a transformative period in American banking history. The bank received FDIC deposit insurance on January 1, 1934, shortly after the creation of the Federal Deposit Insurance Corporation.

Over its nine decades of operation, the bank has evolved from serving agricultural communities to becoming a modern community bank focused on real estate and business lending. The bank has maintained its commitment to local ownership and community service throughout its history.

Question 3

Where is Valor Bank headquartered?

Accepted Answer

Valor Bank is headquartered at 1501 Renaissance Boulevard in Edmond, Oklahoma, located in the Oklahoma City metropolitan area. The main office features both drive-through and lobby services, with an ATM available 24/7.

The bank also maintains a downtown Edmond presence at 119 S. Broadway, reflecting its commitment to serving the historic core of the community.

Question 4

Where does Valor Bank operate?

Accepted Answer

Valor Bank primarily operates in the Oklahoma City metropolitan area, with a particular focus on Edmond and surrounding Oklahoma County communities. The bank maintains one domestic office location in Edmond, Oklahoma.

While physically concentrated in the Edmond area, the bank extends its reach through digital banking services and maintains a network of over 2,300 in-network ATMs for customer convenience. The bank's lending activities primarily serve the greater Oklahoma City region.

Question 5

What services does Valor Bank offer?

Accepted Answer

Valor Bank provides a comprehensive range of personal and business banking services designed with customer-focused features and competitive rates.

Personal Banking: The bank offers Valor Checking accounts that pay 1% interest with free eStatements, savings accounts with competitive rates, money market accounts, and certificates of deposit. Personal checking accounts include features like mobile check deposits, online banking, bill pay, and debit cards printed on-site.

Business Banking: Business customers can choose from Business Checking (no monthly fees with first 250 debits free), Commercial Checking (for high transaction volumes with earnings credit allowances), and Interest Checking accounts for nonprofits and IOLTA accounts. Business services include QuickBooks transaction integration, Remote Deposit Capture, Merchant Services, and Positive Pay fraud prevention.

Lending Services: The bank specializes in residential mortgages (1-4 family homes represent 37% of its loan portfolio), commercial real estate financing, construction and development loans, and small business lending. The bank also offers limited farm and consumer auto loans.

Digital Services: Valor Bank provides mobile banking apps available on iOS and Android, online banking platforms, mobile check deposit, bill pay services, and electronic statements. Customers have access to toll-free phone support and lost/stolen debit card services.

Question 6

What makes Valor Bank unique?

Accepted Answer

Valor Bank's most distinctive feature is its Giving Vision, a faith-based commitment to donate 10% of annual profits to local nonprofit organizations. This philanthropic approach stems from the bank's Christian values and belief in serving the community through love and generosity.

Customer-Centric Design: The bank structures deposit products to benefit customers first, offering 1% interest on personal checking accounts and high-yield savings rates that exceed many competitors. Business checking accounts are designed specifically to reduce customer expenses.

Local Ownership and Accessibility: As a locally owned institution, customers have direct access to bank leadership and work with bankers who personally know their accounts and businesses. The bank emphasizes responsive problem-solving and familiar, friendly service.

Strong Financial Performance: With a Return on Assets (ROA) of 2.21% and Return on Equity (ROE) of 27.16%, Valor Bank demonstrates exceptional profitability. The bank maintains an extremely low Texas Ratio of 0.03%, indicating strong asset quality and minimal problem loans.

Community Involvement: Beyond financial contributions, Valor Bank employees actively volunteer with local organizations like Edmond Mobile Meals, The Hope Center of Edmond, and Project 66 Food and Resource Center.

Question 7

What type of financial institution is Valor Bank?

Accepted Answer

Valor Bank is classified as a Commercial Bank operating under a state charter as a Federal Reserve non-member institution, supervised by the Federal Deposit Insurance Corporation (FDIC).

More specifically, it functions as a Community Bank with assets under $500 million, focusing on relationship banking and serving local markets. The bank is structured as a Subchapter S Corporation, which provides tax advantages while maintaining its community banking focus.

As a community bank, Valor Bank emphasizes personalized service, local decision-making, and deep connections to the geographic areas it serves, distinguishing it from larger regional or national banking institutions.

Question 8

What is Valor Bank's routing number?

Accepted Answer

The routing number for Valor Bank is 103112510. This nine-digit number is required for electronic transactions including direct deposits, ACH transfers, wire transfers, and automated bill payments.

The bank is part of the Federal Reserve's Kansas City district (Federal Reserve ID Number 10) for processing and settlement purposes.

Question 9

How financially strong is Valor Bank?

Accepted Answer

Valor Bank demonstrates exceptional financial strength across multiple metrics. As of the most recent data, the bank holds approximately $271 million in total assets with $246 million in deposits, reflecting steady growth and strong customer confidence.

Capital Strength: The bank maintains a Tier 1 Risk-Based Capital Ratio of 11.38%, well above regulatory minimums, indicating substantial cushion to absorb potential losses. Total equity capital stands at approximately $22.7 million.

Profitability: With a Return on Assets of 2.21% and Return on Equity of 27.16%, Valor Bank significantly outperforms typical community bank benchmarks. Net interest margin of 4.44% reflects efficient lending operations and strong interest income generation.

Asset Quality: The bank's Texas Ratio of just 0.03% (compared to the U.S. average of 4.63%) indicates minimal problem loans relative to capital. Non-current loans represent only 0.06% of total loans, demonstrating excellent credit quality and risk management practices.

Valor Bank

in the United States 🇺🇸

Crypto-Friendliness

All done!

About Valor Bank in the United States