BlastPoint's Banking Scorecard
Valley State Bank
Russellville, AL
3 branches across AL
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 63 in AL.
- Deposits +14.8% year over year ($139.4M on the books).
- Delinquency rate 0.99%.
- Return on assets 1.37%.
- Efficiency ratio 54.47% vs a 64.48% peer average.
- Loan-to-deposit ratio 62.89% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Valley State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.05% above tier average
- + Efficiency Ratio 10.01% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.06% below tier average
- - Delinquency Rate 0.07% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$169.5M
+13.6% YoY
-1.3% QoQ
|
-$217.1M |
$386.6M
+1.2% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
19% |
| Total Loans ? |
$87.7M
+11.4% YoY
+2.5% QoQ
|
-$170.7M |
$258.3M
+1.7% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 13.7% in tier |
| Total Deposits ? |
$139.4M
+14.8% YoY
-1.8% QoQ
|
-$187.3M |
$326.7M
+0.7% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
18% |
| Return on Assets ? |
1.37%
+26.2% YoY
+0.7% QoQ
|
+0.05% |
1.32%
+10.8% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
58% |
| Net Interest Margin ? |
3.92%
-1.3% YoY
+1.8% QoQ
|
-0.06% |
3.99%
+5.0% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
49% |
| Efficiency Ratio ? |
54.47%
-12.5% YoY
-2.3% QoQ
|
-10.01% |
64.48%
-3.2% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
73% |
| Delinquency Rate ? |
0.99%
+34.9% YoY
+22.6% QoQ
|
+0.07% |
0.92%
+15.7% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
62.89%
-2.9% YoY
+4.4% QoQ
|
-15.07% |
77.95%
+1.0% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
18.15%
-2.7% YoY
-0.0% QoQ
|
-3.88% |
22.03%
-0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.51%
+32.3% YoY
+27.3% QoQ
|
-0.16% |
0.67%
+16.4% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
17.80%
-6.1% YoY
+1.2% QoQ
|
+1.89% |
15.91%
+1.4% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.12%
-2.6% YoY
+107.5% QoQ
|
-0.44% |
0.57%
+7.6% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
26% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
18.2%
-0.5pp YoY 0.0pp QoQ |
-4.0pp | 22.1% | 24.0% | 22.2% | 37% |
| Brokered Deposits | n/a | n/a | 7.9% | 5.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.4%
+3.2pp YoY -0.2pp QoQ |
+5.8pp | 11.6% | 16.9% | 12.5% | 83% |
| CRE |
17.8%
-0.6pp YoY +0.5pp QoQ |
-21.7pp | 39.5% | 43.5% | 41.4% | 15% |
| 1-4 Family |
51.6%
-3.2pp YoY -0.5pp QoQ |
+19.0pp | 32.6% | 30.6% | 31.3% | 84% |
| Consumer |
7.7%
+0.6pp YoY +0.2pp QoQ |
+3.6pp | 4.1% | 5.7% | 5.0% | 88% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
17.8%
-1.2pp YoY +0.2pp QoQ |
+5.6pp | 12.2% | 13.2% | 12.6% | 94% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
30
0 YoY +2 (+7.1%) QoQ |
-29 | 58 | 304 | 482 | 26% |
| Assets per Employee ($) |
$5.6M
+13.6% YoY -7.9% QoQ |
-$1.9M | $7.5M | $6.9M | $8.8M | 26% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 20 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.2pp YoY -0.1pp QoQ |
-0.2pp | 0.3% | 0.2% | 0.4% | 52% |
| Nonaccrual |
0.9%
+0.5pp YoY +0.3pp QoQ |
-0.1pp | 0.9% | 1.2% | 1.0% | 68% |
| Allowance Coverage |
2.28x
-27.0% YoY -18.1% QoQ |
-21.87x | 24.15x | 7.50x | 20.23x | 51% |
| Net Charge-off Rate (YTD) |
0.0%
-0.1pp YoY |
-0.1pp | 0.1% | 0.3% | 0.2% | 41% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.0%
+1.9pp YoY 0.0pp QoQ |
-4.2pp | 12.2% | 10.0% | 11.6% | 26% |
| Cost of Funds (YTD) |
1.5%
+0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.7% | 1.7% | 36% |
| Net Income ($, YTD) |
$1.2M
+42.9% YoY — QoQ |
-$1.4M | $2.6M | $17.2M | $40.4M | 32% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.