Valley Central Bank

Overview / Commentary
115 West Benson Street
Reading, OH 45215

Valley Central Bank is headquartered in Liberty Township and is the 101st largest bank in the state of Ohio. It is also the 3,313th largest bank in the nation. It was established in 1884 and as of December of 2019, it had grown to 40 employees at 4 locations. Valley Central Bank has an A+ health rating.


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Health Grade Components

FDIC Certificate #28555
Year Established1884
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.01%
Return on Equity - YTD0.03%
Annual Interest Income$5.3MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$152.1MM$112.5MM
LoansQ4 2019vs Q4 2018$133.3MM$98.1MM
DepositsQ4 2019vs Q4 2018$98.2MM$74.9MM
Equity CapitalQ4 2019vs Q4 2018$36.1MM$27.8MM
Loan Loss AllowanceQ4 2019vs Q4 2018$944.00K$917.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$199.00K$149.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0

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Valley Central Bank Locations
Valley Central Savings Bank6550 Princeton Glendale RoadLiberty Township, OH 45011
Liberty Township Branch115 W. Benson St.Reading, OH 45215
4455 Roosevelt Blvd Branch4455 Roosevelt BlvdMiddletown, OH 45044
University Avenue Branch6550 Princeton Glendale RoadLiberty Township, OH 45011

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