Valley State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Valley State Bank of Russellville, AL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.29% | 1.35% | -0.06% | 52nd above |
| ROAE | 8.08% | 12.06% | -3.98% | 26th below |
| Net Interest Margin | 3.89% | 3.90% | -0.01% | 48th below |
| Efficiency Ratio | 52.27% | 63.15% | -10.88% | 76th top |
| PPNR / Avg Assets | 1.80% | 1.64% | +0.16% | 62nd above |
| Yield on Earning Assets | 5.30% | 5.65% | -0.35% | 35th below |
| Cost of Funds | 1.73% | 1.85% | -0.12% | 55th above |
| Net Interest Spread | 3.19% | 3.35% | -0.16% | 43rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.86% | 0.92% | -0.06% | 31st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.46% | 0.67% | -0.21% | 40th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 38th below |
| ACL / Total Loans | 2.21% | 1.28% | +0.93% | 96th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 255.94% | 1645.73% | -1389.79% | 55th above |
| Texas Ratio | 2.78% | 7.15% | -4.37% | 55th above |
| Provision / NCO | -3200.00% | 1191.85% | -4391.85% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 17.80% | 12.46% | +5.34% | 94th top |
| Equity / Assets | 17.26% | 11.67% | +5.59% | 94th top |
| TCE / Tangible Assets | 17.26% | 11.40% | +5.86% | 94th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.31% | 78.65% | -14.34% | 78th top |
| Core Deposit Ratio | 73.07% | 87.10% | -14.03% | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.58% | 6.47% | +7.11% | 90th top |
| Loan Growth (Y/Y) | 11.37% | 7.64% | +3.73% | 78th top |
| Deposit Growth (Y/Y) | 14.77% | 6.02% | +8.75% | 91st top |
See Valley State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Valley State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Valley State Bank profile, how to read a UBPR, or how this data updates.