Valley State Bank
Russellville, AL · Cert 26021 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · 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 91% of banks under $1B in assets operating in a single state (rank 65 of 755).
- Widest gap: nonperforming loans / loans trails 72% of banks under $1B in assets operating in a single state (rank 542 of 751).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.37%
Rank 224 of 755
Net Interest Margin
3.53%
Rank 438 of 755
Efficiency Ratio
54.47%
Rank 173 of 755
Equity / Assets
17.26%
Rank 65 of 755
Non-interest income vs. expense
Unfavorable gap of $3.3M · efficiency ratio beats 77% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.37% | 0.72% | 1.06% | 1.45% | Beats 70% | 224 / 755 | |
| Return on Equity | 7.92% | 6.66% | 10.44% | 13.61% | Beats 34% | 499 / 755 | |
| Net Interest Margin | 3.53% | 3.15% | 3.68% | 4.17% | Beats 42% | 438 / 755 | |
| Efficiency Ratio | 54.47% | 55.75% | 64.78% | 75.61% | Beats 77% | 173 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.97% | 0.09% | 0.42% | 1.05% | Beats 28% | 542 / 751 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 54% | 347 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 17.80% | 11.56% | 13.81% | 17.74% | Beats 75% | 187 / 755 | |
| Total Risk-Based Capital Ratio | 17.80% | 11.72% | 14.46% | 18.53% | Beats 72% | 212 / 755 | |
| Equity / Assets | 17.26% | 8.93% | 10.56% | 13.13% | Beats 91% | 65 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 64.31% | 62.43% | 78.62% | 91.00% | 27th pctl | 553 / 755 | |
| Loans / Assets | 52.89% | 54.70% | 67.27% | 76.55% | 22nd pctl | 588 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |