FDIC Cert #26021 · Russellville, Alabama · Est. 1985

Valley State Bank - FDIC Bank Health Profile

A community-scale look at Valley State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$165M
Total assets
A
Health grade · Excellent
1.15%
Return on assets
18.0%
Tier 1 capital

Data updated July 2026

The verdict

Valley State Bank earns a PlainBankData health grade of A (88/100), with well-capitalized at 18.01% Tier 1, profitable at 1.15% ROA, 61% efficiency ratio.

#3,246
largest of 4,313 FDIC banks by assets
25th
percentile by asset size, nationally
18.01%
Tier 1 ratio - above the 10% well-capitalized line
54th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 26021 · AL A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #1074/4307
  • PHOTO-FINISH Texas National Bank… · TX
  • TIER1-WELL 18.0% Tier 1
  • TEXAS-CLEAN 2.7% Texas
  • ROA-PAR 1.15% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Alabama: Texas National Bank of Jacksonville, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Valley State Bank

Lowest and highest poles plus nearest scored peers outside Alabama, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Community Bank · TX · near88/100Community National B… · KS ·…88/100Texas National Bank… · TX · …88/100The Bank of the West · OK · …88/100Valley State Bank · AL · thi…88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Valley State Bank · July 2026

What Valley State Bank's Call Report plate shows

Valley State Bank (FDIC Cert #26021) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,074 of 4,307. Tier 1 capital prints at 18.01%, clearing the 10% well-capitalized line. The Texas Ratio is 2.66%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.15%. Balance-sheet scale is $165M, 3,246th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Texas National Bank of Jacksonville (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Valley State Bank

7 FAILURE resolutions in Alabama since 2000 (7 since 2008)

Valley State Bank's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Valley State Bank remains an active FDIC-insured reporter.

  • ALABAMA TRUST BANK, NATIONAL ASSOCIATION SYLACAUGA, AL 2012 → SOUTHERN STATES BANK
  • SUPERIOR BANK BIRMINGHAM, AL 2011 → SUPERIOR BANK, N.A.
  • NEXITY BANK BIRMINGHAM, AL 2011 → ALOSTAR BANK OF COMMERCE

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Alabama banks.

How Valley State Bank's 88/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10088/100
Valley State Bank's composite health score
Tier 1 Capital Ratio (18.01%) 40/40
Return on Assets (ROA) (1.15%) 20/25
Texas Ratio (2.66%) 20/20
Efficiency Ratio (60.54%) 8/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$165M

Total balance-sheet footings

Total Deposits

$135M

Customer-funded liabilities

Net Loans

$84M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 16.61% 18.01% 19.41%
Basel III capital ratios - Valley State Bank

Where Valley State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Valley State Bank's score of 88/100 falls in the highlighted band.

Valley State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 25% higher than 75% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Valley State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Valley State Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Valley State Bank's $165M falls in the highlighted band.

Safety ratios for Valley State Bank

Tier 1 capital ratio
Well-capitalized 10%

18.01% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
18.01%
Texas Ratio
2.66%
Equity Capital
$29M

What these ratios mean →

Earnings posture at Valley State Bank

Return on Assets (ROA)
54th percentile nationally
1.15%
Return on Equity (ROE)
6.46%
Efficiency Ratio
60.54%

What these mean →

Income & expense at Valley State Bank

$8M
Interest Income
$386K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Valley State Bank reports a Texas Ratio of 2.66% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.66% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Valley State Bank on FDIC BankFind →

Top banks in Alabama by total assets

Largest banks headquartered in Alabama
  1. 1
    Regions Bank $157.4B

    Birmingham, AL · Grade A

  2. 2
    ServisFirst Bank $17.7B

    Birmingham, AL · Grade A

  3. 3
    River Bank & Trust $3.8B

    Prattville, AL · Grade A

  4. 4
    Bank Independent $3.0B

    Sheffield, AL · Grade B

  5. 5
    Bryant Bank $2.9B

    Tuscaloosa, AL · Grade A

Top 5 banks in Alabama ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($165M here), outside Alabama so the neighborhood is not state containment.

Carson Community Bank $165M · OK Jarrettsville Federal Savings and Loa… $165M · MD First New Mexico Bank, Las Cruces $165M · NM Union State Bank $165M · IA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Valley State Bank (FDIC Cert #26021) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Valley State Bank Call Report profile · FDIC Failed Bank List · Alabama FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Alabama

All Alabama banks →
BankAssetsGradeROA
Regions BankBirmingham $157.4B A 1.43%
ServisFirst BankBirmingham $17.7B A 1.58%
River Bank & TrustPrattville $3.8B A 1.18%
Bank IndependentSheffield $3.0B B 1.01%
Bryant BankTuscaloosa $2.9B A 1.69%
CB&S Bank, Inc.Russellville $2.9B C 0.85%
Oakworth Capital BankBirmingham $2.0B B 1.17%
Troy Bank & Trust CompanyTroy $1.6B A 1.34%