Vallant Bank
Elberton, Georgia, Elbert County
$4.0B in total assets, the 346th largest of 4,309 US banks and 4th of 125 headquartered in Georgia.
- FDIC certificate
- 14065
- Established
- 1934
- Owned by
- Vallant Financial Inc
- Primary regulator
- FDIC
- Website
- www.vallant.bank
At a glance
Compared with 11 banks headquartered in Georgia with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $4.0B | 82% | $2.2B | |
| Loans | $3.0B | 82% | $1.4B | |
| Deposits | $3.5B | 82% | $1.9B | |
| Return on assets | 1.33% | 36% | 1.53% | |
| Net interest margin | 4.97% | 98% | 4.12% | |
| Efficiency ratio | 68.4% | 82% | 50.9% | |
| Equity to assets | 12.26% | 98% | 10.39% | |
| Loans to deposits | 86% | 54% | 83% |
Growth
Total assets grew 19.2% a year over the last 5 years and 19.4% a year over 10 years, including 4 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2026 | Morris Bank Dublin, GA | $1.6B |
| Oct 2021 | Liberty First Bank Monroe, GA | $193M |
| Apr 2020 | Southern Bank & Trust Clarkesville, GA | $228M |
| Nov 2016 | Independence Bank of Georgia Braselton, GA | $190M |
| Aug 2007 | Georgia Central Bank Social Circle, GA | $90M |
| Jan 1998 | Pinnacle Bank Royston, GA | $100M |
| Dec 1984 | The American Bank Bowman, GA | $9M |
Where they operate
36 branches in 20 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Laurens County, GA | $533M | 34.3% | 1 of 11 |
| Elbert County, GA | $423M | 70.4% | 1 of 4 |
| Houston County, GA | $322M | 12.8% | 3 of 13 |
| Bulloch County, GA | $318M | 16.1% | 2 of 10 |
| Walton County, GA | $308M | 14.8% | 3 of 12 |
| Franklin County, GA | $246M | 40.3% | 1 of 4 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 23 branches since 2016 (13 to 36, +176.9%). 8 opened, 15 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 13 | |||
| 2016 | Acquired Independence Bank of Georgia | 2 | 0 | +2 | 15 |
| 2018 | Opened Athens | 1 | 0 | +1 | 16 |
| 2019 | Opened Gainesville | 1 | 0 | +1 | 17 |
| 2020 | Acquired Southern Bank & TrustOpened Cornelia and Gainesville | 5 | 0 | +5 | 22 |
| 2021 | Acquired Liberty First BankOpened Martinez | 2 | 0 | +2 | 24 |
| 2022 | Opened Grovetown | 1 | 0 | +1 | 25 |
| 2025 | Opened Augusta | 1 | 0 | +1 | 26 |
| 2026 through Q2 | Acquired Morris BankOpened Augusta | 10 | 0 | +10 | 36 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 41% | 33% | |
| 1-4 family residential | 22% | 35% | |
| Construction and land | 13% | 11% | |
| Farmland | 13% | 3% | |
| Business (C&I) | 7% | 8% | |
| Multifamily | 3% | 2% | |
| Consumer | 1% | 3% | |
| Other | 1% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 52% | 54% | |
| Noninterest-bearing | 29% | 23% | |
| Time deposits | 18% | 23% |
Brokered deposits are 0.0% of deposits (peers 3.9%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.51% | 0.44% |
| Net charge-offs, annualized | 0.08% | 0.01% |
| Reserves to loans | 1.28% | 1.12% |
| Leverage ratio | 12.70% | 10.75% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Georgia
Largest competitors in Laurens County, GA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/vallant