Valley State Bank
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Data as of · sourced from FFIEC call reports. How we update
Valley State Bank is an FDIC-insured commercial bank headquartered in Russellville, AL, established in 1985 (FDIC certificate 26021), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $169.5M, up 13.6% from Q2 2025, the 69th largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 17.80% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26021
- Headquarters
- Russellville, AL
- Established
- 1985
- Total assets, Q2 2026
- $169.5M
- Assets vs Q2 2025
- +13.6%
- Tier 1 leverage ratio, Q2 2026
- 17.80%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 062203573
- Latest call report
- Q2 2026, FFIEC 051 · Valley State Bank call report
- Holding company
- VALLEY BANCSHARES, INC.
- Asset rank in state
- 69th of 93 in Alabama
Valley State Bank carries far more capital than most banks of its size. Its balance sheet stood at $169 million at June 30, 2026, up 13.6% from a year earlier; it is based in Russellville, Alabama. It funds 17.80% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also grew deposits 14.8% over the year, 3.7 times the median of 4.0% for banks its size.
Its $9.7 million non-owner-occupied commercial real estate book is now fully current, after 7.01% of it was past due or on nonaccrual a year earlier. Earnings jumped: net income for the quarter was $585,000, 37% above the same quarter a year earlier. Profitability lags: it returns 8.1% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.5%).
As of June 30, 2026, Valley State Bank reported a return on assets of 1.29%, a nonperforming-loan ratio of 0.97% and a Texas ratio of 2.78%. The figures come from its call report filed with the FFIEC.
Valley State Bank ranks as the 69th largest of the 93 banks based in Alabama, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.3% to $169.5M, loans rose 2.5% and deposits fell 1.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 50.5% of total loans, followed by commercial and industrial loans at 17.0%. Its 3 offices in the FDIC Summary of Deposits are in Russellville, AL and Red Bay, AL; its Russellville 2 offices book 78% of its branch deposits. Judged on its Q2 2026 call report, Valley State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 15565 Highway 43, Russellville, AL 35653
- County
- Franklin
- Metro Area
- Russellville, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 1, 1985
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $139.4M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $181.6M
- Average total loans
- $88.8M
- Average interest-bearing deposits
- $115.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 1, 1985
- FDIC Cert
- 26021
- Fed RSSD
- 595337
- Website
- www.valleystate.com →
- Parent Holding Company
- VALLEY BANCSHARES, INC. (RSSD 1493609)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Valley State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Valley State Bank's total assets ranged from $146.8M (Q1 2024) to $171.7M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$169.5M total assets against $149.2M; $140.2M total liabilities against $122.2M.
$87.7M net loans and leases against $78.7M; $139.4M total deposits against $121.5M.
$64.8M securities against $50.1M; $13.0M cash and balances due against $15.9M.
$2.2M total interest income against $2.0M; $608K total interest expense against $508K.
$1.6M net interest income against $1.4M.
$107K total noninterest income against $96K; $927K total noninterest expense against $944K.
$60K provision for credit losses against $60K.
$585K net income against $426K.
1.29% return on assets against 1.06%; 3.89% net interest margin against 3.97%.
17.80% tier 1 leverage ratio against 18.96%.
Inside the full Valley State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeValley State Bank rankings
Its closest position to the top of a national ranking is 968 of 3,606, for efficiency ratio; its furthest is 3,164 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.96% (Q1 2025) to 1.29% (Q2 2026) and its net interest margin ran from 3.71% (Q4 2025) to 4.09% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.80% | 1.29% | 0.97% | 2.78% | 3.89% |
| Q1 2026 | 17.60% | 1.27% | 0.79% | 2.26% | 3.80% |
| Q4 2025 | 18.01% | 1.10% | 0.96% | 2.66% | 3.71% |
| Q3 2025 | 18.75% | 1.17% | 1.16% | 3.23% | 4.02% |
| Q2 2025 | 18.96% | 1.06% | 0.72% | 2.00% | 3.97% |
| Q1 2025 | 18.62% | 0.96% | 0.70% | 2.00% | 3.74% |
| Q4 2024 | 18.68% | 0.99% | 0.69% | 2.01% | 4.08% |
| Q3 2024 | 18.52% | 1.20% | 0.60% | 1.72% | 4.09% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Valley State Bank (main office) | Russellville , AL | 35653 | $107.4M |
| 4th Avenue Branch | Red Bay , AL | 35582 | $31.2M |
| North Jackson Avenue Branch | Russellville , AL | 35653 | $844K |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action July 2, 2014. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in AL, rank 94 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $725K approved, $725K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Valley State Bank
What are Valley State Bank's total assets?
As of the Q2 2026 filing, Valley State Bank reported total assets of $169.5 million in its FFIEC call report.
Where is Valley State Bank headquartered?
It is headquartered in Russellville, AL, United States.
When was Valley State Bank founded?
It was established in 1985, per the FDIC institution directory.
Is Valley State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26021). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Valley State Bank?
Valley State Bank's primary federal regulator is the FDIC.
How many branches does Valley State Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Valley State Bank's Texas Ratio?
Its Texas Ratio is 2.78% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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