Call reports 2026
VALLEY STATE BANK, THE — 2026
What VALLEY STATE BANK, THE reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 202,483,000 | 200,512,000 |
| Total loans | 109,156,000 | 109,048,000 |
| Allowance for loan losses | 1,249,000 | 1,045,000 |
| Securities available for sale | 78,248,000 | 78,283,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 175,358,000 | 174,002,000 |
| Interest-bearing deposits | 145,461,000 | 143,460,000 |
| Noninterest-bearing deposits | 29,897,000 | 30,542,000 |
| Equity capital | 22,958,000 | 22,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 2,671,000 | 5,379,000 |
| Interest expense | 679,000 | 1,347,000 |
| Net interest income | 1,992,000 | 4,032,000 |
| Noninterest income | 137,000 | 295,000 |
| Noninterest expense | 1,458,000 | 3,001,000 |
| Provision for loan losses | 208,000 | 615,000 |
| Pretax income | 463,000 | 710,000 |
| Income tax | 103,000 | 159,000 |
| Net income | 360,000 | 551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 24,969,000 | 24,961,000 |
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