# VALLEY STATE BANK
RUSSELLVILLE, AL · FDIC certificate 26021 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $169.5M | |
| Deposits | $139.4M | |
| Loans and leases | $89.7M | |
| Total equity | $29.3M | |
| Loans / deposits | 62.89% (p34 of band) | 73.59% |
| Liquid assets / assets | 45.95% (p73 of band) | |
| Uninsured deposits / deposits | 40.69% (p93 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.80% (p87 of band) | 11.76% |
| Unrealized securities loss / equity | -14.20% (p32 of band) | -6.57% |
| AOCI / equity | -1.88% (p13 of band) | |
| ROA (annualized) | 1.37% (p61 of band) | 1.17% |
| Net interest margin | 3.92% (p50 of band) | 3.93% |
| Efficiency ratio | 54.47% (p22 of band) | |
| Noncurrent loans | 0.97% (p70 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p58 of band) | |
| Reserve coverage of noncurrent | 228.49% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 5.93% (p31 of band) | |
| Auto loans | $3.6M (4.03% of loans; DQ 3.80%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 14.8% | |
| Employees | 30 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | NIM <2.5% |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | NIM <2.5% |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | charge-offs p90 |  |
| 2015-06 | 1 | deposits shrinking | charge-offs p90 |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | deposits shrinking |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | deposits shrinking |  |
| 2018-09 | 0 |  | deposits shrinking |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 0 |  | AOCI drag >20% of equity |
| 2023-03 | 1 | charge-offs p90 |  |
| 2023-06 | 0 |  | charge-offs p90 |
| 2023-09 | 1 | securities losses >30% of equity |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 1 | deposits shrinking |  |
| 2024-06 | 0 |  | deposits shrinking |
| 2024-09 | 1 | deposits shrinking |  |
| 2024-12 | 0 |  | deposits shrinking |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-06-24 [Platte Valley State Bank will open Monday as First National Bank - The Grand Island Independent](https://news.google.com/rss/articles/CBMiiAFBVV95cUxONUg2RmZiX2V4YnhiWU9iTTBCQ0s4RVQ1NkR3cFpkNjQ5Sklxd1ZZdUJ2MWM4TkRfSFJld013cjZVVGh3Qmo4UjVpSU9HdUtxcm9ITE42aThoOHQtZkw2YnhvcjNjTFd4WkV0VDRTR2ZrbmNZbTg4bExJcnpXTG0yTWVoRFdTb2Z1?oc=5) · The Grand Island Independent
- 2026-07-20 [Regulators seize Lenexa bank and transfer deposits to a new institution - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxQdmlXUzhMWk9rRWtuUnpzUUdVR1RZc2pSQTdIQ3lzUGFzSlRCVFBNY2NCS3J6Rmd4My1aemotWnNGXzI3MUlPQ1Vwa0pxaGc5YzFfVXhPSGhZVk9pcnBIMkNkMDFVR3RsWWFBMzZ3a21ERjNkbzVaTWNDY1dWcE1Rd3VycUVzZUFCWE1xRDJmRW9RWEgyWGNwaERBM0NQVzlLNWxkdFYxbzhMc19LUUU4?oc=5) · The Business Journals
- 2022-04-20 [Former Valley Bank executive fined $500 for her role in scheme to defraud SBA - The Quad-City Times](https://news.google.com/rss/articles/CBMikAFBVV95cUxNQThUQXkxN1JKMzZVdV8zeUJkX3RxNkZOdEVKcUJ4RFNsNloyNU1DSHVZLXFXQ0ZhbUJZZTl5TE1Ba3drN0EwV215OHUyUUV2REdhby1EbUJGLXBRRDVCV3dfQy1rZmFfREVMWGM1QVZFOVgwRXkwQ1dJUmxMQVBqaGVmcThDMlJGSUxaWlBZNVg?oc=5) · The Quad-City Times
- 2023-10-25 [Alfred J. Eichman Obituary Oct 25, 2023 - Campanella & Stewart Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTE5xd0NPQUtKWHg1ZmJnbTZPQXIzUmFWTm80VnVrOW53XzVud1JPZWFLX1FQZFFWM0RqU3FELWNVbWdMdWVSVFpBU1RWWmtyT2ZlWUxFejRoS1B2VDVYZGwxVTc3Q3ZmXzMwT0k4?oc=5) · Campanella &amp; Stewart Funeral Home
- 2018-12-09 [Jim Hoover Obituary (2018) - Eudora, KS - Lawrence Journal-World](https://news.google.com/rss/articles/CBMikwFBVV95cUxOcktYbjJXeTBjUFhLV3phaUZjc210dlRmUXRrSFd2cFVqQjBJT1Z3U3pCT1FCN1BFa3FjdnRPTTN4Z3ZYWDE1a2dfZmVpUzY2djF6ZWF3MGRDVmZKaHh5bDVEZFlVMUxNeTZnRnYyV21rX1hBbEd5UE1tdEdyS0hJQVgyS3RWYmpXQ3JtYXNwQlhqaU0?oc=5) · Lawrence Journal-World
- 2016-11-17 [Carol Hanson Obituary Nov 17, 2016 - Bakke Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5uOUNramxxQ1JPWFdmYXItcV9MaHVoWmVUa2FGVVF0UEFpWXVJXzhaX2xsR3lSb2R6dVBsWHo0RFJxSlZBVmlmajdDTGFSUVRBQW1RX1V4ZnZETThDVnFYanVrYmtxMmFh?oc=5) · Bakke Funeral Home
- 2012-04-13 [Dorothy C. Smook Obituary Apr 13, 2012 - Jurrens Funeral Homes](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1KZDYyblJwRlpJbFN2U2UzTTNQQVVaYWRJTEdSS2JyYVRUbGNIdkV2UWctaDBHd25mX3V5UjRDSjRkUEdtd0N2QkpQaHB0SEx1Rk43dDNZNXdCNTZEWlk2ZXpPTQ?oc=5) · Jurrens Funeral Homes
- 2023-02-15 [What is Google Wallet? Everything you need to know - Android Headlines](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBCaV9kek5yUC10U2x6b3lxN3lSd05qZmJxcmd2dG1fQ2xZYy01bmVlN1dGR2s5b3BrdU1rQUZqWGtkUmUxOHhmSUVBSlhxN1hEd2VQamZ1QTk4bHNJMjBGNw?oc=5) · Android Headlines

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26021 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/37.json (key "26021", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide