Valley Central Bank: how it compares with its peers
Against 72 OH banks with half to twice its assets, Valley Central Bank's strongest measure in Q2 2026 is assets per employee ($6.7M vs. a $5.8M peer median). Its weakest relative measure is efficiency ratio (87.84% vs. 73.51%).
| Measure | Valley Central Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.35% | 0.88% | Bottom third Ahead of 13% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.52% | 3.72% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 87.84% | 73.51% | Bottom third Ahead of 11% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $5.8M | Middle third Ahead of 64% of peers |
| Loans to deposits Net loans and leases over total deposits. | 96.33% | 80.24% | Context |
What it means for lending operations
Its efficiency ratio of 87.84% is above the 73.51% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Citizens Federal Savings and Loan Association Bellefontaine, OH · $186M
- Farmers State Bank West Salem, OH · $188M
- The Peoples Savings Bank Urbana, OH · $189M
- Independence Bank Independence, OH · $191M
- The Cincinnatus Savings & Loan Co. Cincinnati, OH · $193M
- The First National Bank of Waverly Waverly, OH · $196M
Questions about Valley Central Bank
How big is Valley Central Bank?
Valley Central Bank, established in 1884, is headquartered in Liberty Township, OH. It reported $187M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Valley Central Bank's return on assets?
0.35% annualized in Q2 2026, against a 0.88% median for 72 OH banks with half to twice its assets, ahead of 13% of them.
What is Valley Central Bank's efficiency ratio?
87.84% in Q2 2026: it spent about 88 cents in noninterest expense for each dollar of revenue. The peer median is 73.51%, and lower is better.
Is Valley Central Bank growing its loans?
Net loans shrank 2.5% over the year to Q2 2026, while deposits grew 6.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.