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 | |