The Valley State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Net charge-off ratio: 1.97 percentage points higher than in Q1 2026, at 2.24%. The Valley State Bank has the 6th lowest return on assets of the 182 banks headquartered in Kansas, at 0.37% as of Q2 2026. The Valley State Bank's return on assets of 0.37% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 0.88 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.18% |
| Equity capital to assets | 11.24% |
| Tangible equity to tangible assets | 11.24% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.09% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | 2.24% |
| Texas ratio | 0.89% |
| Allowance for credit losses to loans | 0.96% |
| Reserve coverage of non-performing loans | 1034.65% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.37% |
| Return on equity | 3.36% |
| Net interest margin | 4.11% |
| Efficiency ratio | 70.03% |
| Yield on earning assets | 5.46% |
| Cost of funds | 1.51% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.67% |
| Core deposits to total deposits | 87.64% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.78% |
| Securities to assets | 39.04% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.54% | 0.59% | 3.20% | 0.58% | 0.05% |
| Q4 2023 | 11.70% | 0.62% | 3.30% | 0.58% | 0.02% |
| Q1 2024 | 11.84% | 0.61% | 3.43% | 0.51% | 0.00% |
| Q2 2024 | 11.88% | 0.55% | 3.47% | 0.61% | 1.47% |
| Q3 2024 | 12.00% | 0.76% | 3.63% | 0.58% | 0.06% |
| Q4 2024 | 11.80% | 1.08% | 3.73% | 0.53% | -0.10% |
| Q1 2025 | 11.93% | 0.95% | 3.82% | 0.53% | 0.03% |
| Q2 2025 | 12.23% | 1.00% | 4.05% | 0.37% | 0.28% |
| Q3 2025 | 12.62% | 1.10% | 4.22% | 0.44% | 0.02% |
| Q4 2025 | 12.32% | 0.57% | 4.25% | 0.29% | 0.89% |
| Q1 2026 | 12.23% | 0.71% | 4.04% | 0.27% | 0.26% |
| Q2 2026 | 12.18% | 0.37% | 4.11% | 0.09% | 2.24% |
The Valley State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Valley State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 The Valley State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15038) · FFIEC NIC profile (RSSD 1005552)