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Valley State Bank

Russellville, AL · Cert 26021 · Valley Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

80

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

56

Q2 2024Q2 2026peer median

Efficiency

77

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Valley State Bank

Russellville, AL · Cert 26021 · Valley Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$169.5MAssets
$89.7MLoans
$139.4MDeposits
$29.3MEquity
Loan mix
74%RE $61.4M18%C&I $15.0M8%Consumer $6.4MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $114.1M18%Noninterest $25.3MQ2 2025Q2 2026

NIM

5.00%Q2 ’244.82%Q2 ’254.88%Q2 ’26-2%-1%

Non-interest income vs. expense

2.24%Q2 ’242.36%Q2 ’252.05%Q2 ’26+5%-15%

Executive Summary

  • Earnings: ROA of 1.37%, up 29 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.97% of loans (+25 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 17.80%, down 116 bps from a year ago.
  • Funding: loans stand at 64.31% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.37%+29 bps YoY

Net Interest Margin (YTD, annualized)

3.53%-3 bps YoY

Efficiency Ratio (YTD, annualized)

54.47%-780 bps YoY

Tier 1 Leverage Ratio

17.80%-116 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%1.14%1.15%1.36%1.37%+29 bps
Return on Equity6.09%6.37%6.46%7.99%8.02%+193 bps
Net Interest Margin3.56%3.55%3.39%3.48%3.53%-3 bps
Efficiency Ratio62.27%60.91%60.54%55.77%54.47%-780 bps
Non-Interest Burden2.13%2.07%1.96%1.84%1.82%-31 bps
Growth
Asset Growth (YoY)0.68%7.32%9.88%16.24%13.58%+1,290 bps
Loan Growth (YoY)0.97%4.13%4.18%7.01%11.37%+1,040 bps
Deposit Growth (YoY)-0.95%7.34%9.73%17.72%14.77%+1,572 bps
Asset Quality
Nonperforming Loans / Loans0.72%1.16%0.96%0.79%0.97%+25 bps
Net Charge-Offs / Loans0.09%0.06%0.05%0.00%0.01%-8 bps
Allowance / Loans2.24%2.40%2.43%2.20%2.21%-3 bps
Allowance Coverage of NPLs3.1x2.1x2.5x2.8x2.3x-0.8x
Capital
Tier 1 Leverage Ratio18.96%18.75%18.01%17.60%17.80%-116 bps
Total Risk-Based Capital18.96%18.75%18.01%17.60%17.80%-116 bps
Equity / Assets18.13%17.87%17.46%16.70%17.26%-86 bps
Liquidity & Funding
Loans / Deposits66.27%65.26%63.29%61.61%64.31%-196 bps
Liquid Assets / Assets9.50%10.17%7.33%8.49%6.79%-271 bps
CRE / Total Capitaln/a45.60%48.16%46.78%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Valley State Bank

Russellville, AL · Cert 26021 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Valley Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$169.5MAssets
$89.7MLoans
$139.4MDeposits
$29.3MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 92% of banks under $1B in assets operating in a single state (rank 59 of 746).
  • Widest gap: nonperforming loans / loans trails 72% of banks under $1B in assets operating in a single state (rank 535 of 743).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.37%

Rank 224 of 746

Net Interest Margin

3.53%

Rank 435 of 746

Efficiency Ratio

54.47%

Rank 172 of 746

Equity / Assets

17.26%

Rank 59 of 746

Non-interest income vs. expense

$0.4M$3.7MINCOMEEXPENSE
Unfavorable gap of $3.3M · efficiency ratio beats 77% of banks under $1B in assets operating in a single state
Bank 54.47%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.37%0.72%1.06%1.45%Beats 70%224 / 746
Return on Equity7.92%6.74%10.51%13.63%Beats 33%500 / 746
Net Interest Margin3.53%3.17%3.68%4.16%Beats 42%435 / 746
Efficiency Ratio54.47%55.74%64.58%75.47%Beats 77%172 / 746
Asset Quality
Nonperforming Loans / Loans0.97%0.09%0.42%1.07%Beats 28%535 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 53%351 / 743
Capital
Tier 1 Capital Ratio17.80%11.55%13.75%17.60%Beats 76%181 / 746
Total Risk-Based Capital Ratio17.80%11.71%14.33%18.43%Beats 72%206 / 746
Equity / Assets17.26%8.90%10.51%13.06%Beats 92%59 / 746
Liquidity & Funding
Loans / Deposits64.31%61.31%78.27%90.78%28th pctl536 / 746
Loans / Assets52.89%53.60%66.97%76.08%24th pctl570 / 746
Brokered Deposits / Depositsn/aNot reported for this institution