Valley Central Bank
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Data as of · sourced from FFIEC call reports. How we update
Valley Central Bank is an FDIC-insured savings and loan association headquartered in Liberty Township, OH, established in 1884 (FDIC certificate 28555), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $186.7M, up 2.2% from Q2 2025, the 103rd largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 20.06% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings and loan association
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28555
- Headquarters
- Liberty Township, OH
- Established
- 1884
- Total assets, Q2 2026
- $186.7M
- Assets vs Q2 2025
- +2.2%
- Tier 1 leverage ratio, Q2 2026
- 20.06%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 242072663
- Holding company
- VALLEY CENTRAL BANCORP, INC.
- Asset rank in state
- 103rd of 154 in Ohio
Problem loans are rising at Valley Central Bank. The Liberty Township, Ohio bank had $187 million in assets at June 30, 2026, up 2.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.17% of loans from 0.21% a year earlier. It earns about $0.43 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 86 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Delinquency has appeared in its $15 million multifamily book: 9.47% of those loans are past due or on nonaccrual, against almost none a year earlier. Loans and deposits moved in opposite directions: over the year loans fell 2.5% and deposits rose 6.8%. Credit is the area to watch: it carries problem assets equal to 7.8% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, Valley Central Bank reported a return on assets of 0.43%, a nonperforming-loan ratio of 2.17% and a Texas ratio of 7.78%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Valley Central Bank is the 103rd largest of the 154 banks headquartered in Ohio. Between Q1 2026 and Q2 2026, its total assets fell 0.4% to $186.7M, loans rose 2.6% and deposits fell 0.7%. 1-4 family residential loans made up 46.9% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 20.5%. Its 3 offices in the FDIC Summary of Deposits are in Reading, OH, Middletown, OH and Liberty Township, OH; its Reading office books 43% of its branch deposits. On its Q2 2026 call report, Valley Central Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 6550 Princeton Glendale Rd, Liberty Township, OH 45011
- County
- Butler
- Metro Area
- Cincinnati, Oh-KY-In
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1884
- Former names
- Valley Central Savings Bank (1993-2014)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 28
- Domestic deposits
- $146.0M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $0
- Average total assets
- $189.8M
- Average total loans
- $140.6M
- Average interest-bearing deposits
- $120.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28555
- Fed RSSD
- 320070
- Website
- www.valleycentral.org →
- Parent Holding Company
- VALLEY CENTRAL BANCORP, INC. (RSSD 4352538)
- Ultimate Parent
- VALLEY CENTRAL, MHC (RSSD 4352574)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Valley Central Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Valley Central Bank's total assets ran between $165.1M (Q3 2023) and $187.5M (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$186.7M total assets against $182.8M; $148.6M total liabilities against $145.4M.
$140.6M net loans and leases against $144.2M; $146.0M total deposits against $136.6M.
$11.3M securities against $10.5M; $22.7M cash and balances due against $15.8M.
$2.3M total interest income against $2.4M; $747K total interest expense against $880K.
$1.6M net interest income against $1.5M.
$212K total noninterest income against $211K; $1.5M total noninterest expense against $1.5M.
$0 provision for credit losses against $0.
$204K net income against $178K.
0.43% return on assets against 0.39%; 3.57% net interest margin against 3.41%.
20.06% tier 1 leverage ratio against 20.26%.
Inside the full Valley Central Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeValley Central Bank rankings
Its closest position to the top of a national ranking is 856 of 3,640, for Texas Ratio; its furthest is 3,384 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.14% (Q4 2025) to 0.45% (Q3 2025) and its net interest margin ran from 3.23% (Q4 2025) to 3.57% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.06% | 0.43% | 2.17% | 7.78% | 3.57% |
| Q1 2026 | 19.98% | 0.26% | 2.03% | 7.14% | 3.35% |
| Q4 2025 | 20.28% | 0.14% | 0.20% | 0.72% | 3.23% |
| Q3 2025 | 20.43% | 0.45% | 0.21% | 0.74% | 3.34% |
| Q2 2025 | 20.26% | 0.39% | 0.21% | 0.77% | 3.41% |
| Q1 2025 | 20.44% | 0.42% | 0.11% | 0.42% | 3.41% |
| Q4 2024 | 20.50% | 0.39% | 0.11% | 0.45% | 3.32% |
| Q3 2024 | 20.72% | 0.32% | 0.21% | 0.82% | 3.24% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Reading Branch | Reading , OH | 45215 | $62.6M |
| University Branch | Middletown , OH | 45042 | $61.2M |
| Valley Central Bank (main office) | Liberty Township , OH | 45011 | $22.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 31, 2019 | Structure Change | Acquired New Valley Central Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 30, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 121 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 86 applications, 74 loans originated, $19.2M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Valley Central Bank
What are Valley Central Bank's total assets?
As of the Q2 2026 filing, Valley Central Bank reported total assets of $186.7 million in its FFIEC call report.
Where is Valley Central Bank headquartered?
It is headquartered in Liberty Township, OH, United States.
When was Valley Central Bank founded?
It was established in 1884, per the FDIC institution directory.
Is Valley Central Bank FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #28555). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Valley Central Bank?
Valley Central Bank's primary federal regulator is the FDIC.
How many branches does Valley Central Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Valley Central Bank's Texas Ratio?
Its Texas Ratio is 7.78% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Valley Central Bank previously called?
The charter now named Valley Central Bank has also operated as Valley Central Savings Bank (1993-2014), per FDIC structure-change records.
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