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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Russellville, AL · FDIC certificate #26021
VALLEY STATE BANK is an FDIC-insured institution based in Russellville, AL (FDIC certificate #26021). In its Q3 2026 Call Report it reported total assets of $170M, total deposits of $140M and net loans of $90M. Its primary federal regulator is FDIC.
Plain-language readout
VALLEY STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $172M in Q1 2026 and were lowest at $169M in Q2 2026.
Total deposits were highest at $142M in Q1 2026 and lowest at $139M in Q2 2026.
Over the whole period total assets fell 1.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $170M | $140M | $90M | 1.35% | 7.90% | 3.98% |
| Q2 2026 | $169M | $139M | $88M | 1.37% | 8.02% | 3.92% |
| Q1 2026 | $172M | $142M | $86M | 1.36% | 7.99% | 3.86% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $12.8M | $15.9M | -$3.0M | -19.1% |
| Federal funds sold | $200K | $200K | $0K | 0.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $64.8M | $66.3M | -$1.5M | -2.2% |
| Equity securities with readily determinable fair values, not held for trading | $65K | $65K | $0K | 0.0% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $87.7M | $85.5M | +$2.1M | +2.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $969K | $980K | -$11K | -1.1% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $3.0M | $2.8M | +$201K | +7.3% |
| Total assets | $169.5M | $171.7M | -$2.2M | -1.3% |
| Liabilities | ||||
| Total deposits | $139.4M | $142.0M | -$2.5M | -1.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $820K | $1.1M | -$233K | -22.1% |
| Total liabilities | $140.2M | $143.0M | -$2.8M | -1.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $151K | $151K | $0K | 0.0% |
| Surplus | $2.0M | $2.0M | $0K | 0.0% |
| Retained earnings | $30.2M | $29.6M | +$585K | +2.0% |
| Accumulated other comprehensive income | -$3.1M | -$3.1M | +$3K | +0.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $29.3M | $28.7M | +$588K | +2.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $867K | $690K | +$177K | +25.7% |
| Adjusted nonperforming assets | $867K | $690K | +$177K | +25.7% |
| Tangible equity plus allowance | $31.2M | $30.6M | +$645K | +2.1% |
| Texas ratio (gross) | 2.78% | 2.26% | +0.52 pts | See points |
| Texas ratio (adjusted) | 2.78% | 2.26% | +0.52 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.78% | 2.26% | +0.52 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 17.80% | 17.60% | +0.20 pts | See points |
| Construction and land loans to total capital | 5.06% | 2.53% | +2.52 pts | See points |
| Commercial real estate to total capital | 41.55% | 39.73% | +1.82 pts | See points |
| Dividend payout, year to date | 11.99% | 24.22% | -12.22 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -12.65% | -12.90% | +0.25 pts | See points |
| Liquidity | ||||
| Core deposits | $101.9M | $103.2M | -$1.3M | -1.3% |
| Non-core funding | $37.5M | $38.8M | -$1.2M | -3.2% |
| Loans to core deposits | 88.00% | 84.76% | +3.24 pts | See points |
| Loans to deposits | 64.31% | 61.61% | +2.69 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 48.16% | 44.18% | +3.98 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $37.5M | $38.8M | -$1.2M | -3.2% |
| Earnings | ||||
| Earnings before provision, year to date | $1.6M | $740K | +$815K | +110.1% |
| Earnings before provision, single quarter | $815K | $740K | +$75K | +10.1% |
| Provision for credit losses, year to date | $60K | $0K | +$60K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 7.01% | 7.02% | -0.01 pts | See points |
| Yield on interest-bearing balances due from banks | 3.65% | 3.25% | +0.40 pts | See points |
| Total interest income to average assets | 4.94% | 4.85% | +0.09 pts | See points |
| Cost of interest-bearing transaction accounts | 0.77% | 0.72% | +0.04 pts | See points |
| Cost of savings and money market deposits | 0.50% | 0.46% | +0.04 pts | See points |
| Cost of time deposits | 3.25% | 3.38% | -0.13 pts | See points |
| Total interest expense to average assets | 1.34% | 1.36% | -0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $170M | $140M | $90M | 1.35% | 7.90% | 3.98% |
| 2026-06-30 | $169M | $139M | $88M | 1.37% | 8.02% | 3.92% |
| 2026-03-31 | $172M | $142M | $86M | 1.36% | 7.99% | 3.86% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $121.5M | 0.09% | 98 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.