Valley State Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Net interest margin edged up by 0.09 percentage points, from 3.80% to 3.89%, the largest move among the key lines here. Within Alabama, Valley State Bank is 45th of 93 on net interest margin, 3.89% as of Q2 2026, above the middle of the field. At 3.89%, Valley State Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.30% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.73% |
| Cost of interest-bearing deposits | 2.11% |
| Cost of interest-bearing liabilities | 2.11% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.89% |
| Yield to cost spread | 3.19% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $608K |
| Interest expense on deposits | $608K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 5.07% | 1.36% | 3.93% |
| Q4 2023 | 5.44% | 1.47% | 4.24% |
| Q1 2024 | 5.04% | 1.68% | 3.69% |
| Q2 2024 | 5.27% | 1.74% | 3.88% |
| Q3 2024 | 5.49% | 1.72% | 4.09% |
| Q4 2024 | 5.45% | 1.72% | 4.08% |
| Q1 2025 | 5.06% | 1.64% | 3.74% |
| Q2 2025 | 5.33% | 1.66% | 3.97% |
| Q3 2025 | 5.39% | 1.68% | 4.02% |
| Q4 2025 | 5.24% | 1.87% | 3.71% |
| Q1 2026 | 5.26% | 1.76% | 3.80% |
| Q2 2026 | 5.30% | 1.73% | 3.89% |
Valley State Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Valley State Bank, freeSource: Call Report Schedules RI and RC-K, 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)