B
Valley State Bank
Rating Date
October 2025
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 8.40
Capitalization Index 10.00
Liquidity Index 3.40
Profitability Index 5.00
Stability Index 6.70
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 -0.49%
5-Year Asset Growth 8.32%
5-Year Charge-Offs to Average Loans 0.14%
Charge-Offs to Average Loans 0.11%
Non-Performing Assets to Assets 0.24%
Non-Performing Loans to Capital 1.83%
Non-Performing Loans to Loans 0.44%
Balance Sheet Valley State Bank
Belle Plaine, KS
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Total Assets 193.08M
Total Deposits 165.84M
Capital and Reserves Valley State Bank
Belle Plaine, KS
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Capital 22.81M
Leverage Ratio 12.62
Loan Loss Reserves to Loans 0.88%
Risk-Based Capital Ratio --
Liquidity Valley State Bank
Belle Plaine, KS
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Hot Money Ratio 19.42%
Liquidity Ratio 29.32%
Profitability Valley State Bank
Belle Plaine, KS
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5-Year Return on Average Assets 0.85%
Net Income 1.51M
Net Interest Spread 4.03%
Operating Profit to Average Assets 1.31%
Overhead Efficiency Ratio 66.16%
Return on Assets 1.02%
Return on Equity 9.52%