Total Assets
$187M
Total balance-sheet footings
FDIC Cert #28555 · Liberty Township, Ohio · Est. 1884
Valley Central Bank - FDIC Bank Health Profile
A community-scale look at Valley Central Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $187M
- Total assets
- B
- Health grade · Good
- 0.35%
- Return on assets
- 20.3%
- Tier 1 capital
Data updated July 2026
The verdict
Valley Central Bank earns a PlainBankData health grade of B (67/100), with well-capitalized at 20.28% Tier 1, 0.35% ROA, 88% efficiency ratio.
- #3,111
- largest of 4,313 FDIC banks by assets
- 28th
- percentile by asset size, nationally
- 20.28%
- Tier 1 ratio - above the 10% well-capitalized line
- 11th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Valley Central Bank's 67/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Valley Central Bank's composite health score
Tier 1 Capital Ratio (20.28%) 40/40
Return on Assets (ROA) (0.35%) 7/25
Texas Ratio (0.72%) 20/20
Efficiency Ratio (87.65%) 0/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$146M
Customer-funded liabilities
Net Loans
$141M
Outstanding loan book
Net Income
$643K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Valley Central Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Valley Central Bank's score of 67/100 falls in the highlighted band.
Valley Central Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Valley Central Bank's $187M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
20.28% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
20.28%
Texas Ratio
0.72%
Equity Capital
$38M
Profitability metrics
Return on Assets (ROA)
11th percentile nationally
0.35%
Return on Equity (ROE)
1.72%
Efficiency Ratio
87.65%
What the numbers say about Valley Central Bank
Valley Central Bank is an FDIC-insured institution (Certificate #28555) headquartered in Liberty Township, Ohio, established in 1884. It holds $187M in total assets - 3,111th of 4,313 FDIC-insured banks, $146M in customer deposits, and $141M in net loans. On safety, its Tier 1 capital ratio of 20.28% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.72% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (67/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Ohio, Valley Central Bank ranks 101st of 158 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$9M
Interest Income
$732K
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Valley Central Bank reports a Texas Ratio of 0.72% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.72% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Ohio by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Valley Central Bank (FDIC Cert #28555) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Ohio
All Ohio banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| JPMorgan Chase Bank, National AssociationColumbus | $3.75T | A | 1.34% |
| U.S. Bank National AssociationCincinnati | $676.1B | A | 1.18% |
| The Huntington National BankColumbus | $224.0B | A | 1.20% |
| Fifth Third Bank, National AssociationCincinnati | $213.7B | A | 1.34% |
| KeyBank National AssociationCleveland | $181.7B | A | 1.17% |
| First Financial BankCincinnati | $21.0B | A | 1.53% |
| Third Federal Savings and Loan Association of ClevelandCleveland | $17.5B | A | 0.51% |
| The Park National BankNewark | $9.7B | A | 1.90% |
Frequently asked questions
What is Valley Central Bank's health grade?▼
Valley Central Bank receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Valley Central Bank?▼
Valley Central Bank holds $187M in total assets and $146M in deposits, ranking 3,111th of 4,313 FDIC-insured banks by asset size. It is headquartered in Liberty Township, Ohio.
Is my money safe at Valley Central Bank?▼
Yes, deposits at Valley Central Bank (Certificate #28555) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Valley Central Bank's Tier 1 Capital Ratio?▼
Valley Central Bank has a Tier 1 Capital Ratio of 20.28%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Valley Central Bank?▼
Valley Central Bank has a Texas Ratio of 0.72%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Valley Central Bank?▼
Valley Central Bank has an Efficiency Ratio of 87.65%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Valley Central Bank's profile as a depositor or analyst.
- Valley Central Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Valley Central Bank against other Ohio banks before moving funds. Ohio banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.