BanksVALLEY STATE BANK

VALLEY STATE BANK

RUSSELLVILLE, ALSmallEst. April 1, 1985, midnightFDIC #26021RSSD #595337FDIC
Latest · 2025-12-31

VALLEY STATE BANK is an FDIC-insured commercial bank headquartered in RUSSELLVILLE, AL, established in April 1, 1985, midnight. As of 2025-12-31, the bank reported total assets of $165M and total deposits of $135M. Profitability stands at 1.18% ROA and 6.70% ROE, with a net interest margin of 4.09%. CET1 capital ratio: 17.46%, well above regulatory minimums. NPL ratio: 0.87% · Texas Ratio: 2.41%. Operates 3 domestic branches.

Assets
$165M
Deposits
$135M
Loans
$86M
Equity
$29M

Profitability

Return on Assets (ROA)1.18%
Return on Equity (ROE)6.70%
Net Interest Margin4.09%
Yield on Assets5.80%
Cost of Funds1.92%

Asset Quality

NPL Ratio0.87%
Net Charge-Off Ratio0.05%
Texas Ratio2.41%
NPA Ratio0.45%
ACL / Loans2.43%

Capital & Liquidity

CET1 Ratio17.46%
Tier 1 Capital17.46%
Total Capital Ratio18.33%
Leverage Ratio18.01%
Loan-to-Deposit63.29%

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