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.
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