BlastPoint's Banking Scorecard
Valley Central Bank
Micro
Specialty: Commercial
OH
FDIC cert 28555
Designations: ✓ Community bank
Liberty Township, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
Valley Central Bank shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$186.8M
+4.0% YoY
+2.3% QoQ
|
-$30.6M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
47% |
| Total Loans ? |
$141.0M
-5.2% YoY
+1.7% QoQ
|
+$1.8M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
57% |
| Total Deposits ? |
$146.3M
+11.4% YoY
+5.9% QoQ
|
-$37.4M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
0.35%
+31.4% YoY
-17.2% QoQ
|
-0.73% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
3.43%
+5.2% YoY
-1.3% QoQ
|
-0.43% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
87.65%
-3.3% YoY
+2.8% QoQ
|
+19.92% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
0.20%
+74.2% YoY
-3.7% QoQ
|
-0.44% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
96.38%
-14.9% YoY
-4.0% QoQ
|
+21.86% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.51%
-15.9% YoY
+2.4% QoQ
|
-5.88% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.15%
+58.8% YoY
-4.3% QoQ
|
-0.30% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.39%
-6.4% YoY
+20.3% QoQ
|
-0.17% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
54% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
62
62th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.64%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
57
57th pctile
Total Loans
Current: $141.0M · Tier avg: $139.2M
54
54th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Total Assets
Current: $186.8M · Tier avg: $217.5M
44
44th pctile
Total Deposits
Current: $146.3M · Tier avg: $183.7M
30
30th pctile
Net Interest Margin
Current: 3.43% · Tier avg: 3.85%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 16.51% · Tier avg: 22.39%
14
14th pctile
Return on Assets
Current: 0.35% · Tier avg: 1.08%
13
13th pctile
Loan-to-Deposit Ratio
Current: 96.38% · Tier avg: 74.53%
11
11th pctile
Efficiency Ratio
Current: 87.65% · Tier avg: 67.73%
Top Weaknesses
11
11th pctile
Efficiency Ratio
Current: 87.65% · Tier avg: 67.73%
13
13th pctile
Loan-to-Deposit Ratio
Current: 96.38% · Tier avg: 74.53%
14
14th pctile
Return on Assets
Current: 0.35% · Tier avg: 1.08%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 16.51% · Tier avg: 22.39%
30
30th pctile
Net Interest Margin
Current: 3.43% · Tier avg: 3.85%
44
44th pctile
Total Deposits
Current: $146.3M · Tier avg: $183.7M
47
47th pctile
Total Assets
Current: $186.8M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.56%
57
57th pctile
Total Loans
Current: $141.0M · Tier avg: $139.2M
61
61th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
62
62th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.64%