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 Valley State Bank
Valley State Bank
| RSSD ID 595337 | CERTIFICATE 26021 | ABA NUMBER 62203573 |
| 15565 Highway 43 |
Quarter Ended : |
2025-12-31 |
| Russellville, Alabama, 35653 |
Updated : |
2026-01-29 |
| www.valleystate.com |
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| Institution Profile |
| Year Opened : |
1985 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
All Other Under 1 Billion |
| Number of Offices : |
3 |
Number of Employees : |
29 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 164,895 |
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Total Interest Income | 8,067 |
| Total Liabilities | 136,104 |
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Total NonInterest Income | 386 |
| Total Bank Equity Capital | 28,791 |
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Total Interest Expense | 2,175 |
| Total Deposits | 135,402 |
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Total NonInterest Expense | 3,801 |
| Net Loans & Leases | 83,618 |
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Net Income | 1,768 |
| Loan Loss Allowance | 2,080 |
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Net Charge Offs | 44 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 84,516 |
| Total assets for the leverage ratio | 173,838 |
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Loans secured by real estate: | 60,132 |
| Tier 1 Leverage Ratio | 18.01 |
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Commercial and industrial loans | 14,090 |
| Off Balance Sheet Exposures (%) | 6.55 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 5,737 |
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:· Valley State Bank
