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Valley Central Bank Locations & Branches Liberty Township, Ohio
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Valley Central Bank operates 3 branches from its headquarters in Liberty Township, OH, .
Valley Central Bank branch network
All 3 branches are in OHIO, across 3 cities. Its largest office by deposits is the Reading Branch office in Reading, OH, with $62.6M (42.9% of its branch deposits). It had the same number of branches on June 30, 2025.
Valley Central Bank at a glance
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.
- Total assets, Q2 2026
- $186.7M
- Tier 1 leverage ratio, Q2 2026
- 20.06%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Established
- 1884
Full financial profile · Is Valley Central Bank safe? · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Liberty Township, OH (1 branch) | 2 of 4 | 8.9% | $22.2M |
| State: OH (3 branches) | 121 of 184 | <0.1% | $146.0M |
Ranked by total assets among banks headquartered in the state: Largest banks in Ohio.
Share by county and metro area
Valley Central Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Butler, OH (2 branches) | 12 of 21 | 1.0% | $83.4M | $8.33B |
| Hamilton, OH (1 branch) | 27 of 32 | <0.1% | $62.6M | $153.85B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Cincinnati, OH-KY-IN (3 branches) | 33 of 55 | <0.1% | $146.0M | $187.51B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 28555) · FFIEC NIC profile (RSSD 320070)