No stored Google rating available.
FDIC-insured community bank offering personal and business checking, savings, CDs, and lending focused on local impact and nonprofit giving.
Data compiled from public sources
Valor Bank was established in 2014 when local bankers and business leaders purchased First State Bank with the mission to build a bank for the community, not just in it. The bank rebranded to Valor Bank in 2015 under the leadership of President & CEO Josh Litsch, with a founding philosophy centered on faithfulness to commitments, valuing people, and courage to follow God's will. The organization operates as a locally-owned institution committed to community reinvestment and social responsibility.
65% APY with $1,000 minimum). The bank provides real estate loans, personal lending, and business lending services. Banking access occurs through 24/7 online and mobile platforms, with services including check mobile deposit, fund transfers, bill pay, wire transfers (free incoming, $10 outgoing), and ATM access.
Valor Bank distinguishes itself through its commitment to community impact: the organization donates at least 10% of profits to local nonprofits addressing community needs. The bank emphasizes a "Follow the Dollar" transparency model showing how customer deposits fund local loans and community giving. As a locally-owned institution rather than a national chain, Valor positions itself on relationship-based banking with dedicated customer success focus.
The company's values-driven approach—including the explicit integration of faith-based principles in its mission—sets it apart from mainstream banking competitors. Valor Bank is legitimately FDIC-insured and regulated (NMLS #746723), making it a genuine banking option rather than a fintech or alternative lender. However, as a community bank, it likely has limited physical locations and geographic service area.
The website does not display competitive interest rate comparisons, loan terms, or approval requirements, making it difficult to assess competitiveness against larger banks. There is no information about business hours, account features beyond basic descriptions, or specific lending criteria.
This is state-level context for Banks consumers in Edmond, OK. It does not confirm that Valor Bank or this specific location is licensed.
State regulator
Oklahoma Department of Consumer Credit
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Valor Bank processed 413 mortgage applications in 2023, with 97.8% recorded as approved across 9 states.
413
Applications
97.8%
Approval Rate
$283K
Avg Loan
9
States Served
Based on 413 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Valor Bank offers 12 services including Free personal checking accounts (no monthly fees, no minimum balance), Interest-bearing Valor Checking accounts, Business checking ($10/month with unlimited ACHs), 12-month Certificate of Deposit (CD) products, Real estate loans, and 7 more.
Valor Bank has profile signals associated with Community-minded depositors who prioritize local nonprofit giving and social impact banking, Small business owners in the service area seeking relationship-based lending and business banking, Individuals seeking FDIC-insured checking with no fees and listed, values-aligned banking, Real estate investors and borrowers seeking local, community-focused lending partnerships.
Key strengths: FDIC-insured deposits backed by the full faith and credit of the U.S. Government; Free personal checking with no monthly fees and no minimum balance requirements; Interest-bearing checking account (Valor Checking) with no fees. Areas to consider: Limited to local community service area as a regional bank; likely not available nationwide; No information provided about rate claims to verify across product categories or comparison data.
In the Banks category, comparable providers include All America Bank, All Capital Bank, American Bank and Trust Company. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Valor Bank is profile signals for community-minded depositors and local small business owners in its service area who prioritize values-aligned banking with measurable nonprofit giving. The main caveat is that as a regional community bank, it operates in limited geographic locations and does not provide competitive rate or lending requirement information on its public website, requiring direct contact to assess product competitiveness.
Community bank serving Oklahoma since 1927, offering personal and business banking, lending, and deposit products with rate claims to verify and local relationship-based service.
Profile signals: Oklahoma residents seeking competitive deposit rates with local relationship banking, Small business owners and agricultural enterprises in Oklahoma needing relationship-based lending
All Capital Bank is a community-focused bank serving Locust Grove, OK since 1949, offering personal banking, business solutions, and loan products with emphasis on local community support.
Profile signals: Locust Grove, Oklahoma residents seeking community-oriented banking with local relationship focus, Small to medium-sized local businesses needing scalable banking and lending solutions
Oklahoma-based community bank offering personal and commercial checking, savings, CDs, IRAs, loans, and trust services since 1971.
Profile signals: Oklahoma-based business owners seeking commercial banking and trade finance services, Customers who value in-person relationships and local community banking over digital convenience
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