Valley State Bank
Russellville, AL
IDRSSD: 595337
Total Assets
$157.84M
Latest filing
Total Deposits
$128.97M
Latest filing
Net Interest Margin
4.14%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Valley State Bank
15565 Highway 43
Russellville, AL 35653
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/01/1985FDIC Certificate 32301
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Valley State Bank (Main) | 15565 Highway 43 | Russellville, AL |
| NORTH JACKSON AVENUE BRANCH | 308 Jackson Ave N | Russellville, AL |
| 4TH AVENUE BRANCH | 527 4th Ave Se | Red Bay, AL |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/01/1985 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35653 |
| State and County Number | 01059 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 30 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 04/01/1985 |
| Primary Insurance Agency | DIF |
| Website | www.valleystate.com |
| Data Updated | 11/14/2025 |
| CERT | 26021 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $157.84M |
| Total Deposits | $128.97M |
| Total Liabilities | $129.66M |
| Total Equity Capital | $28.17M |
| Net Income | $480.00k |
| Net Loans and Leases | $82.30M |
| Assets Per Employee ($Millions) | $5.26M |
| Bank Premises and Fixed Assets | $1.03M |
| Cash and Balances due from Depository Institutions | $17.76M |
| Deposits Held in Domestic Offices | $128.97M |
Key Performance Ratios
| Return on Assets (ROA) | 1.25% |
| Return on Equity (ROE) | 6.95% |
| Net Interest Margin | 4.14% |
| Efficiency Ratio | 68% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.25% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 17.85% |
| Earning Assets to total Assets | 96.3% |
Income and Expense
| Total Interest Income | $2.06M |
| Total Noninterest Income | $95.00k |
| Total Interest Expense | $529.00k |
| Total Noninterest Expense | $1.10M |
| Net Interest Income | $1.53M |
| Pre-tax Net Operating Income | $615.00k |
| Provision for Credit Losses | $-96,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $200.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $691.00k |
| Total Liabilities and Capital | $157.84M |
Securities
| Securities | $53.45M |
| Available-for-sale debt securities | $53.39M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Valley State Bank?
$157.84M as of the latest filing.
How much are Valley State Bank's total deposits?
$128.97M in total deposits.
Where is Valley State Bank located?
Russellville, AL.
What is the Net Interest Margin?
4.14%.
How many domestic offices does it operate?
3.
When was it established?
04/01/1985.
What is the Return on Assets (ROA)?
1.25%.
How much are total loans and leases?
$82.30M (latest filing).
What is the total interest income (latest filing)?
$2.06M.