Valley State Bank
Russellville, AL
IDRSSD: 595337
Total Assets
$164.90M
Latest filing
Total Deposits
$135.40M
Latest filing
Net Interest Margin
3.90%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
062203573RUSSELLVILLE, AL
Key People
Loading leadership data...
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 01/30/2026Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
CB&S Bank, Inc.
Russellville, Alabama
→
Assets: $2.83BΔ +1696.3%
Citizens' Bank, Inc.
Robertsdale, Alabama
→
Assets: $159.32MΔ +1.0%
First Fidelity Bank
Fort Payne, Alabama
→
Assets: $161.86MΔ +2.7%
The First National Bank of Hartford
Hartford, Alabama
→
Assets: $165.33MΔ +4.9%
Sweet Water State Bank
Sweet Water, Alabama
→
Assets: $149.29MΔ -5.3%
Community Neighbor Bank
Camden, Alabama
→
Assets: $170.79MΔ +8.3%
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 | 01/30/2026 |
| CERT | 26021 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $164.90M |
| Total Deposits | $135.40M |
| Total Liabilities | $136.10M |
| Total Equity Capital | $28.79M |
| Net Income | $477.00k |
| Net Loans and Leases | $83.62M |
| Assets Per Employee ($Millions) | $5.69M |
| Bank Premises and Fixed Assets | $1.01M |
| Cash and Balances due from Depository Institutions | $13.40M |
| Deposits Held in Domestic Offices | $135.40M |
Key Performance Ratios
| Return on Assets (ROA) | 1.18% |
| Return on Equity (ROE) | 6.7% |
| Net Interest Margin | 3.9% |
| Efficiency Ratio | 59.48% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 17.46% |
| Earning Assets to total Assets | 96.63% |
Income and Expense
| Total Interest Income | $2.15M |
| Total Noninterest Income | $102.00k |
| Total Interest Expense | $634.00k |
| Total Noninterest Expense | $963.00k |
| Net Interest Income | $1.52M |
| Pre-tax Net Operating Income | $596.00k |
| Provision for Credit Losses | $60.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| 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 | $702.00k |
| Total Liabilities and Capital | $164.90M |
Securities
| Securities | $63.42M |
| Available-for-sale debt securities | $63.36M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$164.90M as of the latest filing.
How much are Valley State Bank's total deposits?
$135.40M in total deposits.
Where is Valley State Bank located?
Russellville, AL.
What is the Net Interest Margin?
3.90%.
How many domestic offices does it operate?
3.
When was it established?
04/01/1985.
What is the Return on Assets (ROA)?
1.18%.
How much are total loans and leases?
$83.62M (latest filing).
What is the total interest income (latest filing)?
$2.15M.