Valley State Bank: how it compares with its peers
Against 38 AL banks with half to twice its assets, Valley State Bank's strongest measure in Q2 2026 is efficiency ratio (54.47% vs. a 69.82% peer median). Its weakest relative measure is net interest margin (3.92% vs. 3.90%).
| Measure | Valley State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.37% | 1.05% | Top third Ahead of 76% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.92% | 3.90% | Middle third Ahead of 50% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.47% | 69.82% | Top third Ahead of 97% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $5.1M | Middle third Ahead of 66% of peers |
| Loans to deposits Net loans and leases over total deposits. | 62.89% | 64.26% | Context |
What it means for lending operations
Its efficiency ratio of 54.47% is better than the 69.82% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The First National Bank of Hartford Hartford, AL · $173M
- North Alabama Bank Hazel Green, AL · $179M
- Citizens' Bank, Inc. Robertsdale, AL · $159M
- First Federal Bank, A FSB Tuscaloosa, AL · $183M
- Sweet Water State Bank Sweet Water, AL · $150M
- Community Neighbor Bank Camden, AL · $193M
Questions about Valley State Bank
How big is Valley State Bank?
Valley State Bank, established in 1985, is headquartered in Russellville, AL. It reported $169M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Valley State Bank's return on assets?
1.37% annualized in Q2 2026, against a 1.05% median for 38 AL banks with half to twice its assets, ahead of 76% of them.
What is Valley State Bank's efficiency ratio?
54.47% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 69.82%, and lower is better.
Is Valley State Bank growing its loans?
Net loans grew 11.4% over the year to Q2 2026, while deposits grew 14.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Alabama bank ranked.