Valley State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.69 percentage points higher than in Q1 2026, at 64.31%. Within Alabama, Valley State Bank is 56th of 93 on loan-to-deposit ratio, 64.31% as of Q2 2026, below the middle of the field. Valley State Bank reported 64.31% on loan-to-deposit ratio for Q2 2026, 16.53 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $89.7M |
| Net loans and leases | $87.7M |
| Loans held for sale | $0 |
| Loans to total assets | 52.89% |
| Loan-to-deposit ratio | 64.31% |
| Net loans to equity capital | 3.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.31% |
| Multifamily (5+ residential) | 3.15% |
| Commercial and industrial | 16.92% |
| Consumer | 7.55% |
| Credit cards | 0.00% |
| Farm | 2.75% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 4.18% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 41.55% |
| Construction concentration (Tier 1 capital + allowance) | 5.06% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $1.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $80.9M | $128.3M | 16.17% | 12.78% | 6.55% |
| Q4 2023 | $80.5M | $127.8M | 16.14% | 12.57% | 6.75% |
| Q1 2024 | $79.7M | $121.8M | 15.94% | 12.70% | 6.51% |
| Q2 2024 | $79.7M | $122.6M | 16.02% | 12.49% | 6.71% |
| Q3 2024 | $80.8M | $120.2M | 17.29% | 12.15% | 6.66% |
| Q4 2024 | $82.3M | $123.4M | 17.08% | 12.64% | 6.73% |
| Q1 2025 | $81.7M | $120.6M | 16.54% | 14.06% | 6.68% |
| Q2 2025 | $80.5M | $121.5M | 15.38% | 13.83% | 6.96% |
| Q3 2025 | $84.2M | $129.0M | 14.33% | 16.59% | 6.84% |
| Q4 2025 | $85.7M | $135.4M | 13.45% | 15.84% | 6.83% |
| Q1 2026 | $87.5M | $142.0M | 13.08% | 17.10% | 7.31% |
| Q2 2026 | $89.7M | $139.4M | 12.31% | 16.92% | 7.55% |
Valley State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Valley State Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Valley State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26021) · FFIEC NIC profile (RSSD 595337)