Valley State Bank

BankRussellville, Alabama
www.valleystate.com

Total Assets

$164.9M

Total Deposits

$135.4M

Branches

3

Established

1985

TFS Health Grade

$
D+

68.0 / 100

Below average financial health

How we grade

Valley State Bank is a bank headquartered in Russellville, Alabama, established in 1985. With $164.9M in total assets and 3 branch locations, it has a TFS Financial Health Grade of D+ (68.0/100).

Capital & Safety

Tier 1 Capital Ratio
18.01%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.96%

Profitability

Return on Assets (ROA)
1.15%(1%)
Return on Equity (ROE)
6.46%(10%)
Net Interest Margin
3.98%
Efficiency Ratio
60.54%(60%)

Lending & Liquidity

Total Loans
$85.7M
Loan-to-Deposit Ratio
61.76%
Net Charge-Off Ratio
0.05%

Growth

Asset Growth (YoY)
+9.88%
Deposit Growth (YoY)
+9.73%
Net Income
$1.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Other banks in Alabama