D
Valley Central Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Valley Central Bank
Liberty Township, OH
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Rating D
Asset Quality Index 8.80
Capitalization Index 10.00
Liquidity Index 0.20
Profitability Index 2.20
Stability Index 7.40
Company Info Valley Central Bank
Liberty Township, OH
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FDIC Number 28555
Phone Number (513) 821-3335
Website www.valleycentral.org
Asset Quality Valley Central Bank
Liberty Township, OH
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1-Year Asset Growth 5.44%
5-Year Asset Growth 3.63%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.16%
Non-Performing Loans to Capital 0.77%
Non-Performing Loans to Loans 0.21%
Balance Sheet Valley Central Bank
Liberty Township, OH
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Total Assets 182.80M
Total Deposits 136.64M
Capital and Reserves Valley Central Bank
Liberty Township, OH
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Capital 37.43M
Leverage Ratio 20.26
Loan Loss Reserves to Loans 1.22%
Risk-Based Capital Ratio --
Liquidity Valley Central Bank
Liberty Township, OH
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Hot Money Ratio 22.00%
Liquidity Ratio 18.11%
Profitability Valley Central Bank
Liberty Township, OH
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5-Year Return on Average Assets 0.22%
Net Income 371.00K
Net Interest Spread 3.41%
Operating Profit to Average Assets 0.49%
Overhead Efficiency Ratio 86.31%
Return on Assets 0.40%
Return on Equity 2.00%