Valley Central Bank
Liberty Township, OH
IDRSSD: 320070
Total Assets
$186.85M
Latest filing
Total Deposits
$146.27M
Latest filing
Net Interest Margin
3.31%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
242072663LIBERTY TOWNSHIP, OH
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Valley Central Bank
6550 Princeton Glendale Rd
Liberty Township, OH 45011
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1884FDIC Certificate 41389
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Valley Central Bank (Main) | 6550 Princeton Glendale Rd | Liberty Township, OH |
| UNIVERSITY BRANCH | 701 N University Blvd | Middletown, OH |
| READING BRANCH | 115 W Benson St | Reading, OH |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | N/A |
| Primary Regulator | FDIC |
| Established Date | 01/01/1884 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 45011 |
| State and County Number | 39017 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 35 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Cincinnati, OH-KY-IN |
Operational Info
| Number of Employees | 28 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 12/31/2021 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.valleycentral.org |
| Data Updated | 01/30/2026 |
| CERT | 28555 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $186.85M |
| Total Deposits | $146.27M |
| Total Liabilities | $149.00M |
| Total Equity Capital | $37.84M |
| Net Income | $64.00k |
| Net Loans and Leases | $140.98M |
| Assets Per Employee ($Millions) | $6.67M |
| Bank Premises and Fixed Assets | $2.58M |
| Cash and Balances due from Depository Institutions | $2.98M |
| Deposits Held in Domestic Offices | $146.27M |
Key Performance Ratios
| Return on Assets (ROA) | 0.14% |
| Return on Equity (ROE) | 0.68% |
| Net Interest Margin | 3.31% |
| Efficiency Ratio | 95.23% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 20.254% |
| Earning Assets to total Assets | 92.27% |
Income and Expense
| Total Interest Income | $2.33M |
| Total Noninterest Income | $137.00k |
| Total Interest Expense | $914.00k |
| Total Noninterest Expense | $1.49M |
| Net Interest Income | $1.41M |
| Pre-tax Net Operating Income | $64.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $17.86M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.73M |
| Total Liabilities and Capital | $186.85M |
Securities
| Securities | $12.86M |
| Available-for-sale debt securities | $12.86M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Valley Central Bank?
$186.85M as of the latest filing.
How much are Valley Central Bank's total deposits?
$146.27M in total deposits.
Where is Valley Central Bank located?
Liberty Township, OH.
What is the Net Interest Margin?
3.31%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1884.
What is the Return on Assets (ROA)?
0.14%.
How much are total loans and leases?
$140.98M (latest filing).
What is the total interest income (latest filing)?
$2.33M.