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Overview / Commentary
540-342-2265
36 Church Avenue, Southwest
Roanoke, VA 24011

Valley Bank is headquartered in Roanoke and is the 29th largest bank in the state of Virginia. It is also the 810st largest bank in the nation. It was established in 1995 and as of December of 2013, it had grown to 136 employees at 8 locations. Valley Bank has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
C+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Valley Bank had $23.17 million in non-current loans and owned real-estate with $82.69 million in equity and loan loss allowances on hand to cover it. This gives Valley Bank a Texas Ratio of 28.02% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Valley Bank decreased slightly from 33.22% as of December 31, 2012 to 28.02% as of December 31, 2013, resulting in a positive change of 15.64%.This indicates that the balance sheet and financial strength for Valley Bank has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Valley Bank has increased its total deposits by $54.5 million, resulting in 8.75% 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.

Capitalization

GRADE:
B+

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 $824.5 million in assets with $82.69 million in equity, resulting in a capitalization level of 10.03%, which is above average.

Institution Statistics

Overall
FDIC Certificate #34019
Year Established1995
Employees136
Primary RegulatorFED
Assets and Liabilities
Assets$824.50 million
Loans$562.96 million
Deposits$677.18 million
Equity Capital$75.49 million
Loan Loss Allowance$7.20 million
Unbacked Noncurrent Loans$3.47 million
Real Estate Owned$19.71 million
Historic Data - December 2012
Assets$763.78 million
Equity Capital$78.39 million
Loan Loss Allowance$8.06 million
Unbacked Noncurrent Loans$3.47 million
Real Estate Owned$21.33 million
Profit Margin - Quarterly
Net Interest Margin3.8%
Return on Assets0.93%
Return on Equity9.64%
Interest Income$31.35 million
Rates
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Always verify rates and promotions with the bank or credit union. We are not Valley Bank, we are a rate comparison website and can not provide official rates or promotions.

Valley Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.35%--MyLifestyle Savings
0.05%--MyLifestyle Savings

Valley Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.31%-$15kMy LifeStyle Checking
0.05%--My LifeStyle Checking

Valley Bank IRA Rates

DetailsAPYMINMAXPRODUCT
0.20%$1m-Premier Money Market Account
Locations


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