BanksVALLEY CENTRAL BANK

VALLEY CENTRAL BANK

LIBERTY TOWNSHIP, OHSmallEst. Jan. 1, 1884, midnightFDIC #28555RSSD #320070FDIC
Latest · 2025-12-31

VALLEY CENTRAL BANK is an 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%. CET1 capital ratio: 20.06%, well above regulatory minimums. NPL ratio: 0.20% · Texas Ratio: 0.72%. Operates 3 domestic branches.

Assets
$187M
Deposits
$146M
Loans
$143M
Equity
$38M

Profitability

Return on Assets (ROA)0.14%
Return on Equity (ROE)0.68%
Net Interest Margin3.33%
Yield on Assets5.48%
Cost of Funds2.54%

Asset Quality

NPL Ratio0.20%
Net Charge-Off Ratio0.00%
Texas Ratio0.72%
NPA Ratio0.15%
ACL / Loans1.26%

Capital & Liquidity

CET1 Ratio20.06%
Tier 1 Capital20.06%
Total Capital Ratio21.06%
Leverage Ratio20.28%
Loan-to-Deposit97.61%

This is just the summary.

The full dashboard covers 4,287 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Peer benchmarking
Excel tearsheet exports
Risk & failure probability
Create free account

No credit card required