Valley Central Bank
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
$186.7MAssets
$142.4MLoans
$146.0MDeposits
$38.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Cincinnati, OH-KY-IN area (rank 8 of 15).
- Widest gap: nonperforming loans / loans trails 80% of banks under $1B in assets in the Cincinnati, OH-KY-IN area (rank 13 of 15).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $5.3M · efficiency ratio beats 27% of banks under $1B in assets in the Cincinnati, OH-KY-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |