The Valley State Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $202M | $175M | $108M | $23M | $360K | 0.72% | 6.29% | 4.18% | 0.27% |
| Q4 2025 | $195M | $166M | $110M | $23M | $284K | 0.93% | 8.36% | 4.22% | 0.29% |
| Q3 2025 | $193M | $166M | $107M | $23M | $540K | 1.04% | 9.52% | 4.17% | 0.44% |
| Q2 2025 | $192M | $163M | $106M | $21M | $498K | 1.00% | 9.43% | 4.09% | 0.37% |
| Q1 2025 | $196M | $168M | $108M | $21M | $476K | 0.97% | 9.38% | 3.98% | 0.53% |
| Q4 2024 | $195M | $163M | $109M | $20M | $536K | 0.77% | 7.67% | 3.67% | 0.53% |
| Q3 2024 | $194M | $164M | $109M | $21M | $371K | 0.65% | 6.53% | 3.61% | 0.58% |
| Q2 2024 | $188M | $156M | $104M | $19M | $268K | 0.59% | 6.07% | 3.57% | 0.61% |
| Q1 2024 | $191M | $160M | $105M | $18M | $294K | 0.61% | 6.40% | 3.53% | 0.51% |
| Q4 2023 | $191M | $155M | $104M | $18M | $300K | 0.64% | 6.95% | 3.32% | 0.58% |
| Q3 2023 | $188M | $151M | $105M | $17M | $292K | 0.64% | 7.06% | 3.30% | 0.58% |
| Q2 2023 | $191M | $154M | $101M | $17M | $333K | 0.65% | 7.15% | 3.26% | 0.50% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.