B
Valley State Bank
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Valley State Bank
Belle Plaine, KS
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Rating B
Asset Quality Index 8.60
Capitalization Index 10.00
Liquidity Index 3.70
Profitability Index 1.10
Stability Index 6.40
Company Info Valley State Bank
Belle Plaine, KS
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FDIC Number 15038
Phone Number (620) 488-2211
Website www.valleystatebank2.com/home/home
Asset Quality Valley State Bank
Belle Plaine, KS
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1-Year Asset Growth 4.55%
5-Year Asset Growth 4.52%
5-Year Charge-Offs to Average Loans 0.16%
Charge-Offs to Average Loans 1.25%
Non-Performing Assets to Assets 0.10%
Non-Performing Loans to Capital 0.39%
Non-Performing Loans to Loans 0.09%
Balance Sheet Valley State Bank
Belle Plaine, KS
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Total Assets 200.51M
Total Deposits 174.00M
Capital and Reserves Valley State Bank
Belle Plaine, KS
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Capital 22.53M
Leverage Ratio 12.18
Loan Loss Reserves to Loans 0.96%
Risk-Based Capital Ratio --
Liquidity Valley State Bank
Belle Plaine, KS
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Hot Money Ratio 20.38%
Liquidity Ratio 37.45%
Profitability Valley State Bank
Belle Plaine, KS
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5-Year Return on Average Assets 0.82%
Net Income 551.00K
Net Interest Spread 4.08%
Operating Profit to Average Assets 0.69%
Overhead Efficiency Ratio 69.36%
Return on Assets 0.54%
Return on Equity 4.83%