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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 $6.4MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $114.1M18%Noninterest $25.3MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.23%1.18%1.03%1.09%1.14%1.15%1.36%1.37%+29 bps
Return on Equity7.28%6.97%5.83%6.09%6.37%6.46%7.99%8.02%+193 bps
Net Interest Margin3.67%3.69%3.48%3.56%3.55%3.39%3.48%3.53%-3 bps
Efficiency Ratio58.01%59.28%63.51%62.27%60.91%60.54%55.77%54.47%-780 bps
Non-Interest Burden2.04%2.10%2.13%2.13%2.07%1.96%1.84%1.82%-31 bps
Growth
Asset Growth (YoY)-2.63%-1.57%0.62%0.68%7.32%9.88%16.24%13.58%+1,290 bps
Loan Growth (YoY)-0.11%2.14%2.56%0.97%4.13%4.18%7.01%11.37%+1,040 bps
Deposit Growth (YoY)-6.35%-3.42%-0.97%-0.95%7.34%9.73%17.72%14.77%+1,572 bps
Asset Quality
Nonperforming Loans / Loans0.60%0.69%0.70%0.72%1.16%0.96%0.79%0.97%+25 bps
Net Charge-Offs / Loans0.07%0.05%0.08%0.09%0.06%0.05%0.00%0.01%-8 bps
Allowance / Loans2.26%2.29%2.35%2.24%2.40%2.43%2.20%2.21%-3 bps
Allowance Coverage of NPLs3.8x3.3x3.4x3.1x2.1x2.5x2.8x2.3x-0.8x
Capital
Tier 1 Leverage Ratio18.52%18.68%18.62%18.96%18.75%18.01%17.60%17.80%-116 bps
Total Risk-Based Capital18.52%18.68%18.62%18.96%18.75%18.01%17.60%17.80%-116 bps
Equity / Assets17.98%17.40%18.08%18.13%17.87%17.46%16.70%17.26%-86 bps
Liquidity & Funding
Loans / Deposits67.27%66.66%67.78%66.27%65.26%63.29%61.61%64.31%-196 bps
Liquid Assets / Assets9.65%12.20%9.33%9.50%10.17%7.33%8.49%6.79%-271 bps
CRE / Total Capitaln/an/an/an/a45.60%48.16%46.78%n/an/a