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Overview / Commentary
36 Church Avenue, Southwest
Roanoke, VA 24011

Valley Bank is headquartered in Roanoke and is the 27th largest bank in the state of Virginia. It is also the 778th largest bank in the nation. It was established in 1995 and as of March of 2014, it had grown to 142 employees at 8 locations. Valley Bank has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Valley Bank had $22.33 million in non-current loans and owned real-estate with $84.96 million in equity and loan loss allowances on hand to cover it. This gives Valley Bank a Texas Ratio of 26.28% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Valley Bank decreased slightly from 35.49% as of March 31, 2013 to 26.28% as of March 31, 2014, resulting in a positive change of 25.95%.This indicates that the balance sheet and financial strength for Valley Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Valley Bank has increased its total deposits by $38.58 million, resulting in 5.85% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Valley Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Valley Bank has $867.84 million in assets with $84.96 million in equity, resulting in a capitalization level of 9.79%, which is above average.

Institution Statistics

FDIC Certificate #34019
Year Established1995
Primary RegulatorFED
Assets and Liabilities
Assets$867.84 million
Loans$578.22 million
Deposits$698.18 million
Equity Capital$78.53 million
Loan Loss Allowance$6.43 million
Unbacked Noncurrent Loans$2.56 million
Real Estate Owned$19.77 million
Historic Data - March 2013
Assets$792.77 million
Equity Capital$78.30 million
Loan Loss Allowance$8.27 million
Unbacked Noncurrent Loans$2.56 million
Real Estate Owned$22.34 million
Profit Margin - Quarterly
Net Interest Margin3.7%
Return on Assets0.85%
Return on Equity9.3%
Interest Income$8.01 million
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Valley Bank Savings Account Rates

0.35%--My LifeStyle Savings - Qualifying
0.05%--My LifeStyle Savings - Non Qualifying

Valley Bank Money Market Rates

0.20%$1m-Premier Money Market Account

Valley Bank Checking Account Rates

0.31%-$15kMy LifeStyle Checking - Qualifying
0.05%--My LifeStyle Checking - Non Qualifying

Valley Bank Locations
Vinton Branch1003 Hardy RoadVinton, VA 24179
Grandin Village1327 Grandin RoadRoanoke, VA 24015
Hershberger Branch1518 Hershberger RoadRoanoke, VA 24012
South Roanoke Branch2203 Crystal Spring Avenue, S.W.Roanoke, VA 24014
Valley Bank36 Church Avenue SouthwestRoanoke, VA 24011
Lewis Gale Branch3850 Keagy RoadRoanoke, VA 24018
Tanglewood Branch4467 Starkey Road SouthwestRoanoke, VA 24014
Salem Branch8 East Main StreetSalem, VA 24153