Valley State Bank is a bank based in Russellville, Alabama, established in 1985, with $172 million in total assets across 3 branches. By Trust Grade it ranks 10th of 93 banks we track in Alabama. Its capital ratio of 16.7% is stronger than 93% of similarly sized banks, versus a Alabama median of 10%. It was profitable over the most recent period, with a 1.36% return on assets. No consumer complaints against Valley State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Valley State Bank compares to Alabama peers
How we graded Valley State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (16.7% capital ratio)
- Strongly profitable (ROA 1.36%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Valley State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 15565 Highway 43, Russellville, AL 35653
- 308 Jackson Ave N, Russellville, AL 35653
- 527 4th Ave Se, Red Bay, AL 35582
Are deposits at Valley State Bank insured?
Yes. Valley State Bank is an FDIC-insured bank (FDIC certificate #26021). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Valley State Bank: frequently asked questions
Is Valley State Bank a good bank?
Valley State Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (16.7% capital ratio); Strongly profitable (ROA 1.36%).
Is Valley State Bank FDIC-insured?
Yes. Valley State Bank is a FDIC-insured bank (FDIC certificate #26021). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Valley State Bank?
Valley State Bank holds $172 million in total assets, ranking 10th of 93 banks we track in Alabama. It operates 3 branches.
Does Valley State Bank have CFPB complaints?
No CFPB complaints against Valley State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
