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Valley State Bank
Russellville, AL · FDIC Certificate #26021 · Chartered 04/0
Total assets
$169.49M
Total deposits
$139.41M
Total equity
$29.26M
Net loans
$87.67M
Branches (offices)
3
Net income (YTD)
$1.16M
Rank: #3,176 of 4,213 U.S. banks by assets · #69 of 93 in Alabama. Assets changed 13.6% and deposits 14.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.37% |
| Return on equity | 8.02% |
| Net interest margin (YTD) | 3.92% |
| Equity to assets | 17.26% |
| Tier 1 leverage ratio | 17.80% |
| Uninsured deposits (share of deposits) | 40.7% |
| Noncurrent loans (share of loans) | 0.97% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 62.9% |
| Real estate loans (share of loans) | 72.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $63.37M | 72.3% | |
| Commercial & industrial | $15.21M | 17.4% | |
| Consumer / individual | $6.79M | 7.7% | |
| Construction & development | $1.74M | 2.0% | |
| Agricultural | $796.00K | 0.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $151.62M | $130.59M | $577.00K | $20.94M |
| Jun 2023 | $150.01M | $127.15M | $1.09M | $22.62M |
| Jun 2024 | $148.22M | $122.64M | $894.00K | $25.10M |
| Jun 2025 | $149.23M | $121.47M | $811.00K | $27.05M |
| Jun 2026 | $169.49M | $139.41M | $1.16M | $29.26M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $139.41M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $139.41M.
Similar-sized banks
State Bank Of Reeseville ($169.50M) · Union State Bank ($168.69M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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