Vitals
  • Total Assets
    99.1M -2.1 %
  • Total Deposits
    82.4M 4.6 %
  • Total Net Loans
    72.9M 0.7 %
  • Net Income
    1.0M 6.1 %
  • Book Value
    8.8M -22.0 %
  • Book Value x2
    17.6M -22.0 %
  • Book Value x3
    26.4M -22.0 %
ROAA

2.095

ROAE

19.494

Efficiency Ratio

47.688

Net Interest Margin

4.837

Balance Sheet Highlights
Financial Highlights Valley State Bank All Insured Commercial Banks in Colorado
Balance Sheet $(000)
Total Assets 99,061 206,907
Total Net Loans 72,947 145,040
Total Deposits 82,389 175,776
Total Equity 8,810 18,841
Profitability
Net Income 1,042 1,943
Return on Average Assets 2.095 1.466
Return on Average Equity 19.494 15.769
Net Interest Margin 4.837 4.712
Efficiency Ratio 47.688 62.908
Noninterest Income/Revenue 9.293 13.618
Balance Sheet Ratios
Loan-to-Deposit 88.54 72.002
Securities/Assets .186 .529
Total Equity/Total Assets .089 .091
Tangible Equity/Tangible Assets .089 -.025
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 9,041 17,358
Tier 2 Capital 933 1,862
Total Capital 9,974 18,791
Total Risk Weighted Assets 74,632 141,286
Leverage Ratio 9.13 9.155
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 12.11 13.702
Total Capital Ratio 13.36 14.684

Timeline for Valley State Bank

The Girard National Bank

Valley State Bank was acquired by The Girard National Bank 17 years

View Profile Sep 02 2006

Omnibank Of Kiowa County, National Association

Acquisition: Valley State Bank acquired a new subsidiary, Omnibank Of Kiowa County, National Association, 37 years

View Profile Feb 04 1987

Valley State Investments, Inc.

Valley State Investments, Inc. became a new parent organization for Valley State Bank.

View Profile Dec 31 1970

Valley State Bank

Valley State Bank was established 104 years ago and is currently headquartered in Lamar, CO.

May 01 1920
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The Girard National Bank Buyer 645,158 Acquisition Discontinued 9/2/2006
Omnibank Of Kiowa County, National Association Seller 12,133 Discontinued 2/4/1987
Relationships Role Relationship Start Relationship End
Valley State Investments, Inc. Parent 12/31/1997 9/1/2006
Valley State Investments, Inc. Parent 12/31/1994 12/30/1997
Valley State Investments, Inc. Parent 9/30/1993 12/30/1994
Valley State Investments, Inc. Parent 12/31/1981 9/29/1993
Valley State Investments, Inc. Parent 12/31/1980 12/30/1981
Valley State Investments, Inc. Parent 12/31/1970 12/30/1980
Similar Organizations
Organization City State Total Assets
The Citizens State Bank Of Ouray
 		Ouray CO 99.5M
American Founders Bank, Inc.
 		Louisville KY 99.9M
Commercial State Bank
 		Wausa NE 98.1M
First Central Bank
 		Cambridge NE 100.7M
Oklahoma Heritage Bank
 		Roff OK 100.8M
Bank Of Dade
 		Trenton GA 96.9M
Security Bank
 		New Auburn WI 96.3M
New Jersey Community Bank
 		Freehold NJ 101.9M
Homepride Bank
 		Mansfield MO 99.3M
Horizon Bank
 		Fyffe AL 96.2M