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
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 / 746 | |
| Return on Equity | 7.92% | 6.74% | 10.51% | 13.63% | Beats 33% | 500 / 746 | |
| Net Interest Margin | 3.53% | 3.17% | 3.68% | 4.16% | Beats 42% | 435 / 746 | |
| Efficiency Ratio | 54.47% | 55.74% | 64.58% | 75.47% | Beats 77% | 172 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.97% | 0.09% | 0.42% | 1.07% | Beats 28% | 535 / 743 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 53% | 351 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 17.80% | 11.55% | 13.75% | 17.60% | Beats 76% | 181 / 746 | |
| Total Risk-Based Capital Ratio | 17.80% | 11.71% | 14.33% | 18.43% | Beats 72% | 206 / 746 | |
| Equity / Assets | 17.26% | 8.90% | 10.51% | 13.06% | Beats 92% | 59 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 64.31% | 61.31% | 78.27% | 90.78% | 28th pctl | 536 / 746 | |
| Loans / Assets | 52.89% | 53.60% | 66.97% | 76.08% | 24th pctl | 570 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |