Headquartered in Russellville, Alabama, Valley State Bank is a state-chartered bank with $169.5M in total assets and $139.4M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1985.
Valley State Bank has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 17th. Capital cushion contributes the most (100/100, 17.80%); loan quality contributes the least (68/100, 0.97%).
TellerScore · Q2 2026
Scorecard
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 (83 → 82).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 84 |
| Q4 2024 | 83 |
| Q1 2025 | 82 |
| Q2 2025 | 83 |
| Q3 2025 | 79 |
| Q4 2025 | 80 |
| Q1 2026 | 84 |
| Q2 2026 | 82 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 18.41% |
| Q3 2024 | 18.52% |
| Q4 2024 | 18.68% |
| Q1 2025 | 18.62% |
| Q2 2025 | 18.96% |
| Q3 2025 | 18.75% |
| Q4 2025 | 18.01% |
| Q1 2026 | 17.60% |
| Q2 2026 | 17.80% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.87% |
| Q3 2024 | 0.60% |
| Q4 2024 | 0.69% |
| Q1 2025 | 0.70% |
| Q2 2025 | 0.72% |
| Q3 2025 | 1.16% |
| Q4 2025 | 0.96% |
| Q1 2026 | 0.79% |
| Q2 2026 | 0.97% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.20% |
| Q3 2024 | 1.23% |
| Q4 2024 | 1.18% |
| Q1 2025 | 1.03% |
| Q2 2025 | 1.09% |
| Q3 2025 | 1.14% |
| Q4 2025 | 1.15% |
| Q1 2026 | 1.36% |
| Q2 2026 | 1.37% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $169.5M | 17.80% | 0.97% | 1.37% | 62.9% |
| Q1 2026 | 84 | $171.7M | 17.60% | 0.79% | 1.36% | 60.3% |
| Q4 2025 | 80 | $164.9M | 18.01% | 0.96% | 1.15% | 61.8% |
| Q3 2025 | 79 | $157.7M | 18.75% | 1.16% | 1.14% | 63.7% |
| Q2 2025 | 83 | $149.2M | 18.96% | 0.72% | 1.09% | 64.8% |
| Q1 2025 | 82 | $147.7M | 18.62% | 0.70% | 1.03% | 66.2% |
| Q4 2024 | 83 | $150.1M | 18.68% | 0.69% | 1.18% | 65.1% |
| Q3 2024 | 84 | $146.9M | 18.52% | 0.60% | 1.23% | 65.7% |
| Q2 2024 | 82 | $148.2M | 18.41% | 0.87% | 1.20% | 63.5% |
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).
Similar-size banks in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of HartfordBank Hartford, AL | 75 out of 100, Strong | $173.0M | 12.9% | 1.19% | vs |
| North Alabama BankBank Hazel Green, AL | 80 out of 100, Strong | $178.6M | 11.7% | 0.15% | vs |
| Citizens' Bank, Inc.Bank Robertsdale, AL | 77 out of 100, Strong | $158.9M | 11.0% | 0.14% | vs |
| First Federal Bank, A FSBBank Tuscaloosa, AL | 55 out of 100, Moderate | $182.6M | 7.8% | 0.60% | vs |
| Sweet Water State BankBank Sweet Water, AL | 67 out of 100, Moderate | $150.0M | 9.7% | 1.30% | vs |
| Community Neighbor BankBank Camden, AL | 69 out of 100, Moderate | $193.2M | 11.1% | 1.30% | vs |
Deposit insurance
Is my money safe at Valley State Bank?
Yes. Valley State Bank is an FDIC-insured institution (FDIC certificate #26021). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 40.7% of deposits ($56.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 17.80%, 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%).
3 locations
Branches
Valley State Bank lists 2 offices in 2 cities. Most locations:
- Red Bay, AL (1)
- Russellville, AL (1)
Identity & history
Profile
- Legal name
- Valley State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 26021
- RSSD ID
- 595337
- Primary regulator
- FDIC
- Holding company
- Valley Bancshares Inc
- Established
- April 1, 1985
- Headquarters
- 15565 Highway 43, Russellville, AL 35653
- Website
- www.valleystate.com
- Employees
- 30
Quick answers
Valley State Bank: common questions
Is Valley State Bank FDIC insured?
Yes. Valley State Bank is an FDIC-insured institution (FDIC certificate #26021). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Valley State Bank's TellerScore?
82 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 Valley State Bank ever failed?
There is no failure record for FDIC certificate #26021 in the FDIC failed bank list.
How many branches does Valley State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Russellville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Electrical Workers No 558 Federal Credit UnionCredit union Sheffield, AL | 99 out of 100, Very strong | $45.9M | 20.5% | 0.00% | vs |
| First National BankBank Hamilton, AL | 97 out of 100, Very strong | $372.7M | 19.0% | 0.25% | vs |
| Family Security Credit UnionCredit union Decatur, AL | 95 out of 100, Very strong | $1.1B | 19.9% | 0.61% | vs |
| TVA Community Credit UnionCredit union Muscle Shoals, AL | 90 out of 100, Very strong | $429.0M | 18.4% | 0.32% | vs |
| First Metro BankBank Muscle Shoals, AL | 84 out of 100, Strong | $1.0B | 13.0% | 0.13% | vs |
| Valley Credit UnionCredit union Tuscumbia, AL | 84 out of 100, Strong | $112.9M | 14.0% | 0.20% | vs |