GA lenders / Community Bank
Vallant Bank
Community Bank · Elberton, GA · Vallant Financial Inc
- Total assets
- $2.3B
- CRE loan book
- $920.9M
- QoQ CRE growth
- 2.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.09% as of Q1 2026 — TX bank median 4.87% (1.23pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.09% | 6.08% |
| Q4 2025 | 6.23% | 6.22% |
| Q3 2025 | 6.36% | 6.35% |
| Q2 2025 | 6.14% | 6.14% |
| Q1 2025 | 5.94% | 5.95% |
| Q4 2024 | 5.97% | 5.97% |
| Q3 2024 | 5.91% | 5.91% |
| Q2 2024 | 5.72% | 5.74% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $920.9M | $146.6M | $50.4M | 233% | $0 |
| Q4 2025 | $899.5M | $134.4M | $51.4M | 226% | $0 |
| Q3 2025 | $881.9M | $128.4M | $52.6M | 230% | $0 |
| Q2 2025 | $863.4M | $145.8M | $46.9M | 231% | $462,000 |
| Q1 2025 | $837.8M | $129.0M | $47.4M | 228% | $467,000 |
| Q4 2024 | $823.6M | $136.7M | $46.6M | 228% | $476,000 |
| Q3 2024 | $799.1M | $141.4M | $47.0M | 230% | $894,000 |
| Q2 2024 | $801.7M | $139.2M | $47.0M | 237% | $0 |
Signals
Recent news
- Press Release: Vallant Financial, Inc. Reports Earnings for Second Quarter 2026 - Moomoo — Coverage of Vallant Bank related to earnings reported by moomoo.com.Jul 22, 2026
- Vallant Financial, Inc. Reports Earnings for Second Quarter 2026 - Business Wire — Coverage of Vallant Bank related to earnings reported by businesswire.com.Jul 22, 2026
- Vallant Financial Announces Ten-For-One Stock Split - The National Law Review — Coverage of Vallant Bank related to commercial real estate and lending reported by natlawreview.com.Jun 25, 2026
- Vallant Financial Announces Ten-For-One Stock Split - Yahoo Finance — Coverage of Vallant Bank related to commercial real estate and lending reported by finance.yahoo.com.Jun 25, 2026
- Vallant Financial Announces Strategic Transformation for Vallant Bank - Yahoo Finance — Coverage of Vallant Bank related to commercial real estate and lending reported by finance.yahoo.com.Jun 17, 2026
Similar lenders
Other community banks we track with a comparable CRE book size.
- National Exchange Bank and TrustCommunity Bank · Fond Du Lac · $925.5M CRE book
- North Dallas Bank & Trust Co.Community Bank · Dallas · $912.6M CRE book
- Omb BankCommunity Bank · Springfield · $910.5M CRE book
- Regent BankCommunity Bank · Tulsa · $910.0M CRE book
- D. L. Evans BankCommunity Bank · Burley · $933.7M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.