--- title: Vallant Bank url: https://lender.report/lender/vallant-bank-ga/ as_of: 2026-06-30 data_version: 2026-11-12.1 license: https://lender.report/license/ is_paid: false label: Unverified listing listing_state: unverified status: operating ids: {fdic: 14065, rssd: 366238, ncua: null, lei: 2549006MTEQ1VE0AAQ20} --- # Vallant Bank > Unverified listing. Built from public records. The lender has not reviewed the page. Every lender starts this way, and it says nothing about the lender itself. Claiming is free. **Cite this:** Source: The Lender Report, Vallant Bank, https://lender.report/lender/vallant-bank-ga/, data as of June 30, 2026. Bank, Elberton, GA. Regulator: FDIC. Identifiers: FDIC certificate 14065; RSSD 366238; LEI 2549006MTEQ1VE0AAQ20. ## Facts, each with its source and date - Reported $4B in total assets as of June 30, 2026 (FDIC call report). - Held $2.3B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report). - Held $647.4M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 87.8% from a year earlier, including loans acquired in a merger (FDIC call report). - Held $564.7M of owner-occupied commercial real estate loans as of June 30, 2026, up 73.2% from a year earlier, including loans acquired in a merger (FDIC call report). - Held $383.5M of construction and land loans as of June 30, 2026, up 163.1% from a year earlier, including loans acquired in a merger (FDIC call report). - Originated 22 multifamily loans totaling $74.8M in 2025 (HMDA). - Originated 14 multifamily loans totaling $21.4M in 2024 (HMDA). - Originated 182 1-4 unit investor or business-purpose loans totaling $53.6M in 2025 (HMDA). - Recorded 45 SBA 7(a) approvals totaling $52.5M from October 1, 2023 to September 30, 2026, of which 2 were later cancelled (SBA). - Provided the first lien on 12 SBA 504 projects with $40M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA). - Estimated legal lending limit of about $63.6M (estimate, 15% of tier 1 capital plus allowance, June 30, 2026 FDIC call report). - Listed 36 offices in 1 state (FDIC). - Reported making 465 small business loans totaling $82M in 2024, in its Community Reinvestment Act filing (FFIEC). - Reported making 100 small farm loans totaling $13.1M in 2024, in its Community Reinvestment Act filing (FFIEC). - Held 1,993 commercial and industrial loans that were $1 million or less when made, with a balance of $125M as of June 30, 2026 (FDIC call report). These are loans held, not loans made. - Held 1,150 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $288.3M as of June 30, 2026 (FDIC call report). These are loans held, not loans made. - Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $71.6M for 1-4 family and $221.4M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made. ## What it holds (June 30, 2026) Balances held as filed. Not loans made. | Book | Holds | Of its loans | Year over year | | --- | --- | --- | --- | | Multifamily | $92.6M | 3.1% | +97.6% | | Construction and land development | $383M | 12.85% | +163.1% | | Owner-occupied CRE | $565M | 18.92% | +73.2% | | Non-owner-occupied CRE | $647M | 21.69% | +87.8% | | Farmland | $377M | 12.64% | +48.6% | | Commercial and industrial | $210M | 7.05% | +55.7% | Includes loans from acquiring Morris Bank in the window, so growth reflects the acquisition as well as new lending. ## Loans on record | Kind of loan | Period | Loans made | Dollars | Source | | --- | --- | --- | --- | --- | | Multifamily, 5 or more units | 2025 | 22 | $74.8M | CFPB HMDA | | Multifamily, 5 or more units | 2024 | 14 | $21.4M | CFPB HMDA | | 1-4 unit investor or business purpose | 2025 | 182 | $53.6M | CFPB HMDA | | SBA 7(a), net of cancelled | 36 months to September 30, 2026 | 43 | $50.1M | SBA FOIA | | SBA 504 first lien, net of cancelled | 36 months to September 30, 2026 | 11 | $38.5M | SBA FOIA | ## Recent recorded loans, coarsened Place is the county or the state, amounts are rounded to 2 significant figures, and no borrower is named. | When | Place | Loan | Amount | Rate | Term (months) | Source | | --- | --- | --- | --- | --- | --- | --- | | Sep 2026 | Georgia | SBA 7(a), Hotels (except Casino Hotels) and Motels | $3.40M | 8.25% | 300 | SBA FOIA | | Sep 2026 | Georgia | SBA 7(a), Electrical Apparatus and Equipment, Wiring Supplies, and Related Equipment Merchant Wholesalers | $1.80M | 8.5% | 156 | SBA FOIA | | Aug 2026 | Georgia | SBA 7(a), Services for the Elderly and Persons with Disabilities | $630K | 9% | 120 | SBA FOIA | | Jul 2026 | Georgia | SBA 7(a), Manufacturing | $1.20M | 9% | 120 | SBA FOIA | | Jul 2026 | Georgia | SBA 7(a), All Other Personal Services | $780K | 8.75% | 300 | SBA FOIA | | Jul 2026 | Georgia | SBA 7(a), Pharmacies and Drug Retailers | $710K | 8.25% | 120 | SBA FOIA | | May 2026 | Georgia | SBA 7(a), Beer, Wine, and Liquor Retailers | $970K | 8.75% | 180 | SBA FOIA | | Apr 2026 | Georgia | SBA 7(a), Landscaping Services | $4.00M | 8.25% | 120 | SBA FOIA | | Apr 2026 | Georgia | SBA 7(a), Automotive Oil Change and Lubrication Shops | $2.40M | 8.25% | 300 | SBA FOIA | | Apr 2026 | Georgia | SBA 7(a), Landscaping Services | $250K | 8.75% | 96 | SBA FOIA | ## Where it lends 36 offices in 1 states (October 28, 2026). ## Not a rating Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits. | Measure | Value | How it is worked out | | --- | --- | --- | | Estimated largest single loan | $63.6M | Estimate from reported capital, not a limit the lender has stated. | | Loans to assets | 74.9% | Total loans divided by total assets | | Loans to deposits | 86.29% | Total loans divided by total deposits | ## What we do not know - Whether this lender is taking new loans today. - Its underwriting limits and fees, unless it has told us. - Whether it takes brokers, beyond what the public record shows. - A balance is what a lender holds as filed. It is not a loan made. ## How to reach them - Website: https://www.vallant.bank (from the regulator record or the lender's own site) - Phone: (877) 759-7939 - Regulator record: https://banks.data.fdic.gov/bankfind-suite/bankfind/details/14065 ## For the record Data as of June 30, 2026. Data release 2026-11-12.1. Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan. The Lender Report is not affiliated with, endorsed by or acting for the FDIC, NCUA, FFIEC, CFPB, SBA, HUD or any government agency. Certificate and charter numbers identify institutions only. The Lender Report is operated by JPro Labs LLC. The Lender Report is not a bank or a lender. It does not make loans or credit decisions. Listings are built from public records. Page: https://lender.report/lender/vallant-bank-ga/ License: https://lender.report/license/