The Valley State Bank
BankRegReports is independent of The Valley State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The Valley State Bank is an FDIC-insured commercial bank headquartered in Belle Plaine, KS, established in 1897 (FDIC certificate 15038), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $200.5M, up 4.5% from Q2 2025, the 95th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.18% 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
- 15038
- Headquarters
- Belle Plaine, KS
- Established
- 1897
- Total assets, Q2 2026
- $200.5M
- Assets vs Q2 2025
- +4.5%
- Tier 1 leverage ratio, Q2 2026
- 12.18%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 101104164
- Holding company
- MORLEY BANCSHARES CORPORATION
- Asset rank in state
- 95th of 182 in Kansas
The Valley State Bank spends more to run itself than most banks of its size. It reported $201 million in assets at June 30, 2026, up 4.5% from a year earlier. It earns about $0.37 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets.
Earnings fell sharply: quarterly net income of $191,000 was 62% below a year earlier. Over the same year, loans grew 2.2% and deposits grew 6.5%.
As of June 30, 2026, The Valley State Bank reported a return on assets of 0.37%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 0.89%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Valley State Bank is the 95th largest of the 182 banks headquartered in Kansas. From Q1 2026 to Q2 2026, its total assets fell 1.0% to $200.5M, loans fell 0.1% and deposits fell 0.8%. 1-4 family residential loans made up 33.7% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 20.1%. The FDIC Summary of Deposits lists 4 offices for it, in Belle Plaine, KS, Wichita, KS and Derby, KS; its Belle Plaine office books 52% of its branch deposits. Judged on its Q2 2026 call report, The Valley State Bank meets the community bank leverage ratio test for well capitalized.
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
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1897
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 37
- Domestic deposits
- $174.0M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- $684K
- Average total assets
- $204.9M
- Average total loans
- $109.2M
- Average interest-bearing deposits
- $144.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 28, 1935
- FDIC Cert
- 15038
- Fed RSSD
- 1005552
- Website
- www.valleystatebank.com →
- Parent Holding Company
- MORLEY BANCSHARES CORPORATION (RSSD 1472060)
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, The Valley State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Valley State Bank's total assets moved between a low of $188.1M (Q3 2023) and a high of $202.5M (Q1 2026) from Q3 2023 to Q2 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
$200.5M total assets against $191.8M; $178.0M total liabilities against $170.4M.
$108.0M net loans and leases against $105.8M; $174.0M total deposits against $163.3M.
$78.3M securities against $69.8M; $9.3M cash and balances due against $11.1M.
$2.7M total interest income against $2.6M; $668K total interest expense against $673K.
$2.0M net interest income against $1.9M.
$158K total noninterest income against $103K; $1.5M total noninterest expense against $1.3M.
$407K provision for credit losses against $40K.
$191K net income against $498K.
0.37% return on assets against 1.00%; 4.11% net interest margin against 4.05%.
12.18% tier 1 leverage ratio against 12.23%.
Inside the full The Valley State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Valley State Bank rankings
Its closest position to the top of a national ranking is 2,961 of 4,196, for total assets; its furthest is 3,357 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.37% (Q2 2026) to 1.10% (Q3 2025) and its net interest margin ran from 3.63% (Q3 2024) to 4.25% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.18% | 0.37% | 0.09% | 0.89% | 4.11% |
| Q1 2026 | 12.23% | 0.71% | 0.27% | 1.50% | 4.04% |
| Q4 2025 | 12.32% | 0.57% | 0.29% | 1.33% | 4.25% |
| Q3 2025 | 12.62% | 1.10% | 0.44% | 1.98% | 4.22% |
| Q2 2025 | 12.23% | 1.00% | 0.37% | 2.09% | 4.05% |
| Q1 2025 | 11.93% | 0.95% | 0.53% | 2.64% | 3.82% |
| Q4 2024 | 11.80% | 1.08% | 0.53% | 2.86% | 3.73% |
| Q3 2024 | 12.00% | 0.76% | 0.58% | 2.93% | 3.63% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| The Valley State Bank | Belle Plaine , KS | 67013 | $89.8M |
| Wichita Branch | Wichita , KS | 67216 | $43.2M |
| Derby Branch | Derby , KS | 67037 | $22.1M |
| The Valley State Bank - Wichita Branch | Wichita , KS | 67206 | $18.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KS, rank 112 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 84 applications, 45 loans originated, $6.6M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $2.0M approved, $2.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows The Valley State Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about The Valley State Bank
What are The Valley State Bank's total assets?
As of the Q2 2026 filing, The Valley State Bank reported total assets of $200.5 million in its FFIEC call report.
Where is The Valley State Bank headquartered?
It is headquartered in Belle Plaine, KS, United States.
When was The Valley State Bank founded?
It was established in 1897, per the FDIC institution directory.
Is The Valley State Bank FDIC-insured?
Yes. It 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 The Valley State Bank?
The Valley State Bank's primary federal regulator is the FDIC.
How many branches does The Valley State Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Valley State Bank's Texas Ratio?
Its Texas Ratio is 0.89% 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.
Go deeper on The Valley State Bank.
Get an email when The Valley State Bank files its next call report, and benchmark it against any peer you choose.
Unlock The Valley State Bank, freeFree account