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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