B
Valley State Bank
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
17.80
Return On
Assets
1.28%
Total
Assets
169.49M
Capital
29.26M
Total
Deposits
139.41M
Net
Income
1.16M
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Weiss Ratings Valley State Bank
Russellville, AL 		Click to
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Rating B
Asset Quality Index 8.60
Capitalization Index 10.00
Liquidity Index 3.20
Profitability Index 6.20
Stability Index 8.20
Company Info Valley State Bank
Russellville, AL 		Click to
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FDIC Number 26021
Phone Number (256) 332-3600
Website www.valleystate.com
Asset Quality Valley State Bank
Russellville, AL 		Click to
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1-Year Asset Growth 13.58%
5-Year Asset Growth 5.13%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.46%
Non-Performing Loans to Capital 2.53%
Non-Performing Loans to Loans 0.86%
Balance Sheet Valley State Bank
Russellville, AL 		Click to
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Total Assets 169.49M
Total Deposits 139.41M
Capital and Reserves Valley State Bank
Russellville, AL 		Click to
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Capital 29.26M
Leverage Ratio 17.80
Loan Loss Reserves to Loans 2.21%
Risk-Based Capital Ratio --
Liquidity Valley State Bank
Russellville, AL 		Click to
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Hot Money Ratio 38.13%
Liquidity Ratio 33.29%
Profitability Valley State Bank
Russellville, AL 		Click to
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5-Year Return on Average Assets 1.06%
Net Income 1.16M
Net Interest Spread 3.84%
Operating Profit to Average Assets 1.65%
Overhead Efficiency Ratio 54.47%
Return on Assets 1.28%
Return on Equity 8.03%