Call report 2025Q4
VALOR BANK — 2025Q4
The 22 measures VALOR BANK reported to the FFIEC for 2025Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 286,582,000 | USD | evidence → |
| Total loans | 250,762,000 | USD | evidence → |
| Allowance for loan losses | 2,190,000 | USD | evidence → |
| Securities available for sale | 0 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 244,203,000 | USD | evidence → |
| Interest-bearing deposits | 214,043,000 | USD | evidence → |
| Noninterest-bearing deposits | 30,160,000 | USD | evidence → |
| Equity capital | 25,217,000 | USD | evidence → |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | Value | Unit | Source |
|---|---|---|---|
| Interest income | 19,996,000 | USD | evidence → |
| Interest expense | 7,732,000 | USD | evidence → |
| Net interest income | 12,264,000 | USD | evidence → |
| Noninterest income | 3,149,000 | USD | evidence → |
| Noninterest expense | 8,852,000 | USD | evidence → |
| Provision for loan losses | 206,000 | USD | evidence → |
| Pretax income | 6,315,000 | USD | evidence → |
| Income tax | 289,000 | USD | evidence → |
| Net income | 6,026,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 25,271,000 | USD | evidence → |
| Total capital | 27,630,000 | USD | evidence → |
| Risk-weighted assets | 210,319,000 | USD | evidence → |