Valley State Bank, the
Valley State Bank, the is the primary bank subsidiary of its parent holding company, headquartered in Belle Plaine, KS, during the post-Reconstruction banking expansion. As of Q1 2026, the bank held approximately $202M in total assets and $175M in deposits. Earnings are mid-range — 0.71% ROA and a 4.04% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 12.23% exceeds the 9% CBLR threshold. Credit metrics are pristine, with nonperforming loans at just 0.27%. 5 branches make up the footprint.
Headquarters Profile
- Address
- 502 N Merchant St, BELLE PLAINE, KS 67013
- County
- Sumner
- Metro Area
- WICHITA, KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- January 1, 1897
- Branches
- 5 domestic
- Employees (FTE)
- 36
- FDIC Cert
- 15038
- Fed RSSD
- 1005552
- Website
- www.valleystatebank.com →
- Parent Holding Company
- MORLEY BANCSHARES CORPORATION (RSSD 1472060)
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Valley State Bank, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Valley State Bank, the
What are Valley State Bank, the's total assets?
As of the Q1 2026 filing, Valley State Bank, the reported total assets of $202.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Valley State Bank, the headquartered?
Valley State Bank, the is headquartered in BELLE PLAINE, KS, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Valley State Bank, the founded?
Valley State Bank, the was established in 1897, per the FDIC institution directory.
Is Valley State Bank, the FDIC-insured?
Yes. Valley State Bank, the is an FDIC-insured commercial bank (FDIC Certificate #15038). 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, the?
Valley State Bank, the's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Valley State Bank, the operate?
Valley State Bank, the operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Valley State Bank, the's Texas Ratio?
Valley State Bank, the's Texas Ratio is 1.50% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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