Liberty Township, OH · Cert 28555 · Valley Central MHC
SL · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Cincinnati, OH-KY-IN area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
73
Asset Quality
60
Profitability
29
Liquidity
98
Efficiency
27
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Liberty Township, OH · Cert 28555 · Valley Central MHC
SL · FDIC · 3 branches
Q2 2026
Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.1% share · #34 of 54 inst. · $0.1B of $187.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | 0.27% | 0.43% | 0.41% | 0.42% | 0.35% | 0.27% | 0.35% | -6 bps | |
| Return on Equity | 1.07% | 1.28% | 2.09% | 2.00% | 2.07% | 1.72% | 1.32% | 1.73% | -26 bps | |
| Net Interest Margin | 2.88% | 2.90% | 3.17% | 3.17% | 3.16% | 3.11% | 3.09% | 3.21% | +5 bps | |
| Efficiency Ratio | 91.54% | 90.67% | 84.57% | 85.70% | 85.28% | 87.65% | 90.25% | 87.84% | +214 bps | |
| Non-Interest Burden | 2.61% | 2.61% | 2.65% | 2.68% | 2.65% | 2.70% | 2.78% | 2.80% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.50% | 6.84% | 3.93% | 5.44% | 2.91% | 3.98% | 3.31% | 2.15% | -329 bps | |
| Loan Growth (YoY) | 6.76% | 5.03% | 2.43% | -1.35% | -6.79% | -5.15% | -9.22% | -2.45% | -110 bps | |
| Deposit Growth (YoY) | 13.06% | 12.03% | 12.50% | 11.18% | 7.51% | 11.41% | 8.97% | 6.82% | -436 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.21% | 0.11% | 0.11% | 0.21% | 0.21% | 0.20% | 2.03% | 2.17% | +197 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.16% | 1.18% | 1.16% | 1.22% | 1.27% | 1.26% | 1.29% | 1.26% | +4 bps | |
| Allowance Coverage of NPLs | 5.6x | 10.3x | 11.0x | 5.9x | 6.1x | 6.3x | 0.6x | 0.6x | -5.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 20.72% | 20.50% | 20.44% | 20.26% | 20.43% | 20.28% | 19.98% | 20.06% | -21 bps | |
| Total Risk-Based Capital | 20.72% | 20.50% | 20.44% | 20.26% | 20.43% | 20.28% | 19.98% | 20.06% | -21 bps | |
| Equity / Assets | 20.76% | 20.52% | 20.48% | 20.47% | 20.65% | 20.25% | 20.21% | 20.42% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 117.28% | 114.64% | 113.33% | 106.84% | 101.67% | 97.61% | 94.41% | 97.56% | -928 bps | |
| Liquid Assets / Assets | 0.28% | 0.28% | 0.27% | 0.27% | 0.38% | 0.37% | 1.16% | 1.17% | +89 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 181.60% | 185.50% | 182.06% | n/a | n/a | |
Liberty Township, OH · Cert 28555 · Peer group: banks under $1B in assets in the Cincinnati, OH-KY-IN area (n=15) · Valley Central MHC
SL · FDIC · 3 branches
Q2 2026
Return on Assets
0.35%
Rank 12 of 15
Net Interest Margin
3.21%
Rank 8 of 15
Efficiency Ratio
88.43%
Rank 12 of 15
Equity / Assets
20.42%
Rank 4 of 15
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.35% | 0.35% | 0.56% | 1.05% | Beats 20% | 12 / 15 | ||
| Return on Equity | 1.73% | 1.73% | 4.99% | 6.76% | Beats 20% | 12 / 15 | ||
| Net Interest Margin | 3.21% | 2.85% | 3.21% | 3.42% | Beats 47% | 8 / 15 | ||
| Efficiency Ratio | 88.43% | 64.82% | 75.45% | 88.43% | Beats 27% | 12 / 15 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.17% | 0.12% | 0.43% | 1.30% | Beats 20% | 13 / 15 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.00% | Beats 100% | 8 / 15 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.06% | 13.11% | 14.76% | 20.06% | Beats 73% | 4 / 15 | ||
| Total Risk-Based Capital Ratio | 20.06% | 14.37% | 15.36% | 20.06% | Beats 73% | 4 / 15 | ||
| Equity / Assets | 20.42% | 10.14% | 11.33% | 20.42% | Beats 73% | 4 / 15 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 97.56% | 80.04% | 97.18% | 103.56% | 60th pctl | 6 / 15 | ||
| Loans / Assets | 76.26% | 68.16% | 75.18% | 82.63% | 53rd pctl | 7 / 15 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||