Valley Central Bank
Liberty Township, Ohio · FDIC Cert #28555
This is the FDIC profile for Valley Central Bank, an FDIC-insured bank (Certificate #28555) with $173M in total assets and $123M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Liberty Township, Ohio, the bank maintains a Tier 1 capital ratio of 20.97% (Well-Capitalized) and a nonperforming loan ratio of 0.09%. BankHealthData assigns a composite Health Grade of B (69/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Valley Central Bank (FDIC cert 28555) is a community bank — $173M in total assets, $123M in deposits, serving the Liberty Township, Ohio area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 20.97% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.09% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 6.6% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is minimal: ROA of 0.20% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Valley Central Bank carries a composite BankHealth grade of B (69/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Valley Central Bank
- Total Assets
- $173M
- Total Deposits
- $123M
- Tier 1 Capital Ratio
- 20.97%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.09%
- Liquidity Ratio
- 6.60%
- Return on Assets
- 0.20%
- Headquarters
- Liberty Township, Ohio
- FDIC Certificate
- #28555
- Health Grade
- B (69/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Valley Central Bank files quarterly Call Reports with the FDIC under Certificate #28555. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Valley Central Bank holds a Tier 1 capital ratio of 20.97%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Valley Central Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Valley Central Bank shows strong financial health indicators. With $173M in assets and a Health Score of 69/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Valley Central Bank Compares
Valley Central Bank’s Health Score of 69 is 11 points below the Ohio state average of 80 across 144 FDIC-insured banks. Its 20.97% Tier 1 capital ratio is 7.0 points above the US banking industry average near 14%. The 0.09% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.20% is below the national ROA benchmark of ~1.1%. Among 1457 similarly-sized banks, the average Health Score is 81, meaning this bank ranks below its size cohort. Site-wide, Valley Central Bank is 11 points below the portfolio average of 80.
Frequently Asked Questions
Valley Central Bank has a Bank Health Score of B (69/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 20.97%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Valley Central Bank's Tier 1 capital ratio of 20.97% and nonperforming loan ratio of 0.09% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Valley Central Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #28555). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Valley Central Bank holds $173M in total assets and $123M in total deposits. It is headquartered in Liberty Township, Ohio (FDIC Certificate #28555).
Valley Central Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #28555 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Valley Central Bank has a Tier 1 capital ratio of 20.97%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.09%, and the return on assets is 0.20%.
Yes. Valley Central Bank is FDIC-insured (Certificate #28555). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Valley Central Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.