TellerScore

Headquartered in Belle Plaine, Kansas, The Valley State Bank is a state-chartered bank with $200.5M in total assets and $174.0M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1897.

The Valley State Bank has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 72nd. Problem-loan coverage contributes the most (98/100, 0.9%); earnings contributes the least (42/100, 0.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion72/100
Tier 1 leverage ratio: 12.18%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.09%
Earnings42/100
Return on assets (annualized): 0.55%
Funding & liquidity92/100
Loans ÷ deposits and uninsured-deposit share: 62.1% · 20.8% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.89%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (78 → 78).

TellerScore
737679Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202473
Q4 202473
Q1 202576
Q2 202578
Q3 202579
Q4 202579
Q1 202677
Q2 202678
Tier 1 leverage ratio
5.00%8.81%12.62%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.89%
Q3 202412.00%
Q4 202411.80%
Q1 202511.93%
Q2 202512.23%
Q3 202512.62%
Q4 202512.32%
Q1 202612.23%
Q2 202612.18%
Noncurrent loans
0.09%0.35%0.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.61%
Q3 20240.58%
Q4 20240.53%
Q1 20250.53%
Q2 20250.37%
Q3 20250.44%
Q4 20250.29%
Q1 20260.27%
Q2 20260.09%
Return on assets
0.55%0.80%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.59%
Q3 20240.65%
Q4 20240.77%
Q1 20250.97%
Q2 20251.00%
Q3 20251.04%
Q4 20250.93%
Q1 20260.72%
Q2 20260.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$200.5M12.18%0.09%0.55%62.1%
Q1 202677$202.5M12.23%0.27%0.72%61.5%
Q4 202579$195.2M12.32%0.29%0.93%66.4%
Q3 202579$193.1M12.62%0.44%1.04%64.3%
Q2 202578$191.8M12.23%0.37%1.00%64.8%
Q1 202576$196.1M11.93%0.53%0.97%64.5%
Q4 202473$194.9M11.80%0.53%0.77%66.5%
Q3 202473$194.0M12.00%0.58%0.65%66.5%
Q2 202473$188.4M11.89%0.61%0.59%66.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.18%
67th
Total risk-based capital0.00%
24th
Problem loans0.09%
75th
Net charge-offs1.24%
2nd
Return on assets0.55%
14th
Net interest margin4.22%
66th
Efficiency ratio69.4%
32nd
Loans to deposits62.1%
80th
Uninsured deposits20.8%
61st
Loan-loss reserves0.96%
22nd
Texas ratio0.9%
71st

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of LouisburgBank Louisburg, KS81 out of 100, Strong$201.3M10.9%0.00%vs
Lyons Federal BankBank Lyons, KS78 out of 100, Strong$197.6M12.7%0.23%vs
Halstead BankBank Halstead, KS69 out of 100, Moderate$205.9M8.6%0.29%vs
Union State BankBank Clay Center, KS73 out of 100, Strong$206.2M10.3%0.00%vs
The Fidelity State Bank and Trust CompanyBank Dodge City, KS95 out of 100, Very strong$194.8M23.6%0.31%vs
The Kansas State BankBank Ottawa, KS65 out of 100, Moderate$208.4M9.2%0.85%vs

Deposit insurance

Is my money safe at The Valley State Bank?

Yes. The Valley State Bank is an FDIC-insured institution (FDIC certificate #15038). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.8% of deposits ($36.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.18%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

The Valley State Bank lists 4 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Valley State Bank reported 84 home-loan applications under HMDA (LEI 21380055IMHX3N5UL146): 45 originated ($6,565,000 total), 11 denied, and 25 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The Valley State Bank
Type
State-chartered bank
FDIC certificate #
15038
RSSD ID
1005552
Primary regulator
FDIC
Holding company
Morley Bancshares Corp
Established
January 1, 1897
Headquarters
502 N Merchant St, Belle Plaine, KS 67013
Employees
37

Quick answers

The Valley State Bank: common questions

Is The Valley State Bank FDIC insured?

Yes. The Valley State Bank is an FDIC-insured institution (FDIC certificate #15038). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Valley State Bank's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Valley State Bank ever failed?

There is no failure record for FDIC certificate #15038 in the FDIC failed bank list.

How many branches does The Valley State Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Belle Plaine

InstitutionScoreAssetsCapitalProblem loansCompare
Ark Valley Credit UnionCredit union Arkansas City, KS94 out of 100, Very strong$57.3M15.2%0.19%vs
Garden Plain State BankBank Wichita, KS88 out of 100, Very strong$191.5M15.2%0.94%vs
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs
Impact BankBank Wellington, KS80 out of 100, Strong$167.2M10.6%0.03%vs
The Security State BankBank Wellington, KS79 out of 100, Strong$55.1M15.6%1.44%vs
Vintage Bank KansasBank Leon, KS78 out of 100, Strong$288.6M11.6%0.53%vs