New Name. Shared Purpose.

Vallant Financial, Inc. is the holding company for Vallant Bank, Georgia’s strongest community bank. Through Vallant Bank, we combine the local relationships customers value with the resources, technology and financial strength to help communities, businesses and families thrive across the state.

As we continue building on a legacy of community banking, our commitment remains the same: delivering trusted, relationship-driven service with local strength and limitless reach.

Merger Timeline

November 20, 2025

Pinnacle Financial Corporation announced a merger with Morris State Bancshares.

January 5, 2026

Pinnacle Financial Corporation changed the name of its holding company to Vallant Financial, Inc.

April 1, 2026

Vallant Financial, Inc. (OTCQX: VLNT) merged with Morris State Bancshares on Wed., April 1. Also on this date, Pinnacle Bank and Morris Bank completed the legal merger to Vallant Bank.

April 2, 2026

Vallant Financial, Inc. (OTCQX: VLNT) is now trading on the OTCQX Best Market. Financial disclosures and real-time quotes are available at otcmarkets.com.

June 15, 2026

Pinnacle Bank & Morris Bank open as Vallant Bank, completing the merger of two community banks.

Board of Directors

L. Jackson McConnell, Jr.

Chairman & CEO of  Vallant Financial, Inc. & Executive Chairman of Vallant Bank, Elberton, GA.

Rafy Bassali

Entrepreneur, Augusta, GA.

Danielle Benson

Candid Construction Services, Athens, GA.

Leonard Blount

Owner, Blount Property Group, LLC, Statesboro, GA.

Ron Bracewell

Bates, Carter & Co., LLP, Gainesville, GA.

Mark Byrd

Owner, Houston Lake Country Club, Perry, GA.

J. Bent Gay, Jr.

President, Gayco Healthcare, Dublin, GA.

Greg T. Herring

Herring Properties, Covington, GA.

Jonathan Holmes

Mighty 8th Media, Buford, GA.

Michael Maffett

President, Curry-Maffett Insurance, Dublin, GA.

Connie M. Melear

R. W. Allen, LLC, Augusta, GA.

Roger W. Miller

EVP, Vallant Bank, Dublin, GA.

Spence N. Mullis

Director of Community Banking, Vallant Financial, Inc., & President, Vallant Bank, Dublin, GA.

Jeff Pope

President, Pope Construction Company,
Statesboro, GA.

Robert J. Walker, Jr.

Business Owner, Dublin, GA.

David Voyles

President of Vallant Financial, Inc., & CEO of Vallant Bank, Elberton, GA.

William McDermott

McDermott Financial Solutions, Norcross, GA.

L. Jackson McConnell, Jr.
L. Jackson McConnell, Jr. Chairman & CEO of  Vallant Financial, Inc. Executive Chairman of Vallant Bank
David Voyles
David Voyles President of Vallant Financial, Inc.

CEO of Vallant Bank
Spence Mullis
Spence Mullis Director of Community Banking,
Vallant Financial, Inc.
President of Vallant Bank
Shannon Fortson
Shannon Fortson Chief Credit Officer, Vallant Bank
Scott Wilson
Scott Wilson EVP-CFO of Vallant Financial, Inc.

and Vallant Bank
Chris Bond
Chris Bond EVP-Chief Accounting Officer,

Vallant Financial, Inc. and Vallant Bank
Ashlee Torpy
Ashlee Torpy Chief Risk Officer, Vallant Bank

Shares Inquiry

Shareholders interested in trading shares of Vallant common stock are encouraged to contact the following corporate brokers who will assist you.

Mike  Acampora

Senior Vice President

OTC Markets-approved Corporate Broker

Community Bank Equities Group

Email Mike

Garrett Lingle

Associate Vice President

Community Bank Equities Group

Email Garrett

Continental Stock & Transfer

Shareholder Business, Forms and Assistance.

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Newsroom

2026

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2025

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Earnings Reports

2026 - Annual Report to Shareholders

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2Q - 2026 Report

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1Q - 2026 Report

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2025 - Annual Report to Shareholders

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2025 - Consolidated Financial Report

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2025 - Consolidated Financial Report, Morris State Bancshares, Inc.

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4Q - 2025 Report

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3Q - 2025 Report

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2Q - 2025 Report

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1Q - 2025 Report

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2024 - Annual Report to Shareholders

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2024 - Consolidated Financial Report

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4Q - 2024 Report

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3Q - 2024 Report

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2Q - 2024 Report

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1Q - 2024 Report

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2023 - Annual Report to Shareholders

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2023 - Consolidated Financial Report

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4Q - 2023 Report

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3Q - 2023 Report

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2Q - 2023 Report

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1Q - 2023 Report

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2022 - Annual Report to Shareholders

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2022 - Consolidated Financial Report

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Form 8937 Instructions

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Form 8937 Vallant Financial, Inc., Liberty First Merger

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Form 8937 Vallant Financial, Inc., Morris State Bancshares Merger

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