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.
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