The Valley State Bank

BankBelle Plaine, Kansas
www.valleystatebank.com

Total Assets

$195.2M

Total Deposits

$166.3M

Branches

5

Established

1897

TFS Health Grade

$
D

64.7 / 100

Below average financial health

How we grade

The Valley State Bank is a bank headquartered in Belle Plaine, Kansas, established in 1897. With $195.2M in total assets and 5 branch locations, it has a TFS Financial Health Grade of D (64.7/100).

Capital & Safety

Tier 1 Capital Ratio
12.32%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.28%

Profitability

Return on Assets (ROA)
0.93%(1%)
Return on Equity (ROE)
8.36%(10%)
Net Interest Margin
4.22%
Efficiency Ratio
65.82%(60%)

Lending & Liquidity

Total Loans
$111.6M
Loan-to-Deposit Ratio
66.41%
Net Charge-Off Ratio
0.30%

Growth

Asset Growth (YoY)
+0.18%
Deposit Growth (YoY)
+1.87%
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.

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