Valley Central Bank

Overview / Commentary
115 West Benson Street
Reading, OH 45215

Valley Central Bank is headquartered in LIBERTY TOWNSHIP and is the 107th largest bank in the state of Ohio. It is also the 3,273rd largest bank in the nation. It was established in 1884 and as of December of 2023, it had grown to 30 employees at 3 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 - YTD0.1%
Return on Equity - YTD0.44%
Annual Interest Income$6.9MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$168.2MM$153.8MM
LoansQ4 2023vs Q4 2022$141.6MM$120.9MM
DepositsQ4 2023vs Q4 2022$117.2MM$114.5MM
Equity CapitalQ4 2023vs Q4 2022$36.4MM$36.5MM
Loan Loss AllowanceQ4 2023vs Q4 2022$1.8MM$1MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$83K$95K
Real Estate OwnedQ4 2023vs Q4 2022$0$0

Rates for Valley Central Bank are currently being reviewed.


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

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