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The Valley State Bank
Belle Plaine, KS · FDIC Certificate #15038 · Chartered 01/0
Total assets
$200.51M
Total deposits
$174.00M
Total equity
$22.53M
Net loans
$108.00M
Branches (offices)
4
Net income (YTD)
$551.00K
Rank: #2,973 of 4,213 U.S. banks by assets · #95 of 183 in Kansas. Assets changed 4.5% and deposits 6.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.55% |
| Return on equity | 4.84% |
| Net interest margin (YTD) | 4.22% |
| Equity to assets | 11.24% |
| Tier 1 leverage ratio | 12.18% |
| Uninsured deposits (share of deposits) | 20.8% |
| Noncurrent loans (share of loans) | 0.09% |
| Net charge-offs (share of loans) | 1.24% |
| Loans to deposits | 62.1% |
| Real estate loans (share of loans) | 81.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $88.18M | 81.6% | |
| Commercial & industrial | $8.03M | 7.4% | |
| Consumer / individual | $11.43M | 10.6% | |
| Construction & development | $4.35M | 4.0% | |
| Agricultural | $1.36M | 1.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $188.41M | $160.41M | $877.00K | $17.57M |
| Jun 2023 | $190.99M | $154.28M | $617.00K | $17.19M |
| Jun 2024 | $188.44M | $156.15M | $562.00K | $18.79M |
| Jun 2025 | $191.79M | $163.34M | $974.00K | $21.39M |
| Jun 2026 | $200.51M | $174.00M | $551.00K | $22.53M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $174.00M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $174.00M.
Similar-sized banks
Smartbiz Bank, National Association ($200.76M) · The First National Bank Of Mcconnelsville ($200.19M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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