What is Valley Central Bank's financial health grade?

Valley Central Bank has a TFS Financial Health Grade of D+ (score: 67.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Valley Central Bank have?

Valley Central Bank has 3 branch locations across the United States.

Is Valley Central Bank FDIC insured?

Yes, Valley Central Bank is FDIC insured (Certificate #28555).

What are the total assets of Valley Central Bank?

Valley Central Bank has total assets of $186.8M as reported in its most recent FDIC filing.

Valley Central Bank

BankLiberty Township, Ohio

www.valleycentral.org

Total Assets

$186.8M

Total Deposits

$146.3M

Branches

Established

1884

TFS Health Grade

D+

67.8 / 100

Below average financial health

How we grade

Valley Central Bank is a bank headquartered in Liberty Township, Ohio, established in 1884. With $186.8M in total assets and 3 branch locations, it has a TFS Financial Health Grade of D+ (67.8/100).

Capital & Safety

Tier 1 Capital Ratio

20.28%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.20%

Profitability

Return on Assets (ROA)

0.35%(1%)

Return on Equity (ROE)

1.72%(10%)

Net Interest Margin

3.43%

Efficiency Ratio

87.65%(60%)

Lending & Liquidity

Total Loans

$142.8M

Loan-to-Deposit Ratio

96.38%

Net Charge-Off Ratio

-0.00%

Growth

Asset Growth (YoY)

+3.98%

Deposit Growth (YoY)

+11.41%

Net Income

$643.0K

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Valley Central BankHQ	6550 Princeton Glendale Rd	Liberty Township	OH	11
Valley Central Bank	701 N University Blvd	Middletown	OH	11
Valley Central Bank	115 W Benson St	Reading	OH	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.