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Valley Central Bank
Liberty Township, OH · FDIC Certificate #28555 · Chartered 01/0
Total assets
$186.74M
Total deposits
$145.97M
Total equity
$38.14M
Net loans
$140.61M
Branches (offices)
3
Net income (YTD)
$329.00K
Rank: #3,069 of 4,213 U.S. banks by assets · #104 of 155 in Ohio. Assets changed 2.2% and deposits 6.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.35% |
| Return on equity | 1.73% |
| Net interest margin (YTD) | 3.52% |
| Equity to assets | 20.42% |
| Tier 1 leverage ratio | 20.06% |
| Uninsured deposits (share of deposits) | 16.4% |
| Noncurrent loans (share of loans) | 2.17% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 96.3% |
| Real estate loans (share of loans) | 98.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $138.06M | 98.2% | |
| Commercial & industrial | $3.15M | 2.2% | |
| Consumer / individual | $1.20M | 0.8% | |
| Construction & development | $2.01M | 1.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $153.73M | $113.68M | -$71.00K | $36.64M |
| Jun 2023 | $159.87M | $112.01M | $96.00K | $36.13M |
| Jun 2024 | $173.37M | $122.89M | $151.00K | $36.50M |
| Jun 2025 | $182.80M | $136.64M | $371.00K | $37.42M |
| Jun 2026 | $186.74M | $145.97M | $329.00K | $38.14M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $145.97M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $145.97M.
Similar-sized banks
The First National Bank Of Raymond ($187.06M) · Southwind Bank ($186.55M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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