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The Valley State Bank

$100M-$1B Specialty: Mortgage KS FDIC cert 15038

Belle Plaine, KS

4 branches across KS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
  • Deposits +6.5% year over year ($174.0M on the books).
  • Delinquency rate 0.09%.
  • Return on assets 0.55%.
  • Efficiency ratio 69.36% vs a 64.48% peer average.
  • Loan-to-deposit ratio 62.07% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS
View $100M-$1B leaderboard (KS) →

The Valley State Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.23% above tier average
  • + Delinquency Rate 0.82% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 27.8% in tier
  • - ROA 0.77% below tier average
  • - Efficiency Ratio 4.88% above tier average
Get updates when The Valley State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $200.5M
+4.5% YoY -1.0% QoQ
-$186.1M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
27%
Total Loans ? $108.0M
+2.1% YoY +0.1% QoQ
-$150.3M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
21%
Total Deposits ? $174.0M
+6.5% YoY -0.8% QoQ
-$152.7M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
28%
Return on Assets ? 0.55%
-44.9% YoY -23.7% QoQ
-0.77% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
Bottom 13.8% in tier
Net Interest Margin ? 4.22%
+3.0% YoY +0.9% QoQ
+0.23% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
66%
Efficiency Ratio ? 69.36%
+3.3% YoY +1.3% QoQ
+4.88% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
32%
Delinquency Rate ? 0.09%
-74.7% YoY -65.8% QoQ
-0.82% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
75%
Loan-to-Deposit Ratio ? 62.07%
-4.1% YoY +0.9% QoQ
-15.88% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
80%
Non-Interest-Bearing Deposit Share ? 17.55%
-38.7% YoY +3.0% QoQ
-4.48% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
34%
Nonperforming Asset Ratio ? 0.10%
-57.1% YoY -41.9% QoQ
-0.56% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
71%
Tier 1 Capital Ratio ? 12.18%
-0.4% YoY -0.4% QoQ
-3.73% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
38%
Non-Interest Income / Assets ? 0.15%
+49.3% YoY +117.4% QoQ
-0.42% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
34%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Noninterest-Bearing 17.6%
-11.1pp YoY
+0.5pp QoQ
 -4.6pp 22.1% 22.3% 22.2% 34%
Brokered Deposits 0.0%
-0.2pp YoY
-0.4pp QoQ
 -7.9pp 7.9% 8.7% 8.5% 4%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 7.4%
-1.2pp YoY
0.0pp QoQ
 -4.1pp 11.6% 12.6% 12.5% 36%
CRE 38.2%
-0.1pp QoQ
 -1.3pp 39.5% 28.8% 41.4% 49%
1-4 Family 34.0%
-0.1pp YoY
0.0pp QoQ
 +1.4pp 32.6% 26.7% 31.3% 60%
Consumer 10.6%
-1.5pp YoY
-0.5pp QoQ
 +6.5pp 4.1% 4.6% 5.0% 93%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 23.3% 19.7% n/a
Leverage Ratio 12.2%
0.0pp YoY
-0.1pp QoQ
 0.0pp 12.2% 12.6% 12.6% 67%
Total Capital Ratio n/a n/a 19.9% 24.4% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 37
-7 (-15.9%) YoY
+1 (+2.8%) QoQ
 -22 58 70 482 37%
Assets per Employee ($) $5.4M
+24.3% YoY
-3.6% QoQ
 -$2.1M $7.5M $7.1M $8.8M 21%
Branch Count 4
-1 (-20.0%) YoY
-1 (-20.0%) QoQ
 -1 4 6 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.1%
-0.3pp YoY
-0.2pp QoQ
 -0.8pp 0.9% 0.8% 1.0% 18%
Allowance Coverage 10.35x
+353.0% YoY
+144.4% QoQ
 -13.81x 24.15x 22.44x 20.23x 82%
Net Charge-off Rate (YTD) 1.2%
+1.1pp YoY
+1.0pp QoQ
 +1.1pp 0.1% 0.1% 0.2% 98%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 4.8%
-4.6pp YoY
-1.5pp QoQ
 -7.4pp 12.2% 14.3% 11.6% 13%
Cost of Funds (YTD) 1.4%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.6% 1.7% 30%
Net Income ($, YTD) $551,000
-43.4% YoY
— QoQ
 -$2.0M $2.6M $3.7M $40.4M 12%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

NIB Deposit Bleed

decline
#46 of 162 • Bottom 27.8% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 17.55%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

518
Loan-to-Deposit Ratio
liquidity
Value: 62.07%
Peer Median: 77.95%
#518 of 2643 Top 19.6% in $100M-$1B

Top Weaknesses (2 metrics)

2280
Return on Assets
profitability
Value: 0.55%
Peer Median: 1.32%
#2280 of 2643 Bottom 13.8% in $100M-$1B
2076
Total Loans
size
Value: $108.00M
Peer Median: $258.35M
#2076 of 2643 Bottom 21.5% in $100M-$1B
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