VALLEY CENTRAL BANK

LIBERTY TOWNSHIP, OH | Small | Est. Jan. 1, 1884, midnight | FDIC #28555 | RSSD #320070 | FDIC
Latest Report: 2025-12-31

VALLEY CENTRAL BANK is asn small FDIC-insured commercial bank headquartered in LIBERTY TOWNSHIP, OH, established in Jan. 1, 1884, midnight. As of 2025-12-31, the bank reported total assets of $187M and total deposits of $146M. Profitability stands at 0.14% ROA and 0.68% ROE, with a net interest margin of 3.33%. The bank's CET1 capital ratio is 20.02%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.20% and a Texas Ratio of 0.72%. FDIC Certificate #28555.

Assets

$187M

Deposits

$146M

Loans

$143M

Equity

$38M

Profitability

Return on Assets (ROA) 0.14%
Return on Equity (ROE) 0.68%
Net Interest Margin (NIM) 3.33%
Yield on Assets 5.48%
Cost of Funds 2.54%

Asset Quality

NPL Ratio 0.20%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.72%
NPA Ratio 0.15%
ACL / Loans 1.26%

Capital & Liquidity

CET1 Ratio 20.02%
Tier 1 Capital 20.02%
Total Capital Ratio 21.02%
Leverage Ratio 20.28%
Loan-to-Deposit 97.61%

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