Valley Central Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Valley Central Bank of Liberty Township, OH against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.43% | 1.25% | -0.82% | 10th bottom |
| ROAE | 2.15% | 12.22% | -10.07% | 6th bottom |
| Net Interest Margin | 3.57% | 3.95% | -0.38% | 30th below |
| Efficiency Ratio | 85.53% | 63.71% | +21.82% | 8th bottom |
| PPNR / Avg Assets | 0.52% | — | — | 8th bottom |
| Yield on Earning Assets | 5.25% | 5.67% | -0.42% | 32nd below |
| Cost of Funds | 2.03% | 1.87% | +0.16% | 35th below |
| Net Interest Spread | 2.74% | — | — | 22nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.17% | 0.88% | +1.29% | 11th bottom |
| NPA / Total Assets | 1.66% | — | — | 10th bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.26% | — | — | 57th above |
| ACL / NPLs (Coverage) | 57.97% | — | — | 13th bottom |
| Texas Ratio | 7.78% | 5.96% | +1.82% | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 20.06% | 11.75% | +8.31% | 96th top |
| Equity / Assets | 20.42% | 10.98% | +9.44% | 96th top |
| TCE / Tangible Assets | 20.34% | — | — | 96th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.56% | 80.44% | +17.12% | 14th bottom |
| Core Deposit Ratio | 90.40% | 86.95% | +3.45% | 57th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.15% | — | — | 32nd below |
| Loan Growth (Y/Y) | -2.45% | — | — | 13th bottom |
| Deposit Growth (Y/Y) | 6.82% | — | — | 69th above |
See Valley Central Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Valley Central Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Valley Central Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Valley Central Bank peer analysis.