# VALLEY CENTRAL BANK
LIBERTY TOWNSHIP, OH · FDIC certificate 28555 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $186.7M | |
| Deposits | $146.0M | |
| Loans and leases | $142.4M | |
| Total equity | $38.1M | |
| Loans / deposits | 96.33% (p88 of band) | 73.59% |
| Liquid assets / assets | 18.20% (p18 of band) | |
| Uninsured deposits / deposits | 16.38% (p37 of band) | 19.81% |
| Brokered deposits | 3.81% | |
| Wholesale funding | 3.81% (p68 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 20.06% (p90 of band) | 11.76% |
| Unrealized securities loss / equity | -0.34% (p85 of band) | -6.57% |
| AOCI / equity | -0.09% (p65 of band) | |
| ROA (annualized) | 0.35% (p14 of band) | 1.17% |
| Net interest margin | 3.52% (p30 of band) | 3.93% |
| Efficiency ratio | 87.84% (p88 of band) | |
| Noncurrent loans | 2.17% (p87 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 57.97% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 5.28% (p30 of band) | |
| Auto loans | $190,000 (0.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.8% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 | capital falling | reserve under noncurrent |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | deposits shrinking |  |
| 2013-12 | 0 |  | deposits shrinking |
| 2014-03 | 2 | loans exceed deposits, capital falling |  |
| 2014-06 | 5 | brokered >10%, wholesale funding >15%, uninsured deposits leaving |  |
| 2014-09 | 4 |  | capital falling |
| 2014-12 | 4 |  |  |
| 2015-03 | 4 |  |  |
| 2015-06 | 3 |  | uninsured deposits leaving |
| 2015-09 | 5 | capital falling, uninsured deposits leaving |  |
| 2015-12 | 3 |  | capital falling, uninsured deposits leaving |
| 2016-03 | 3 |  |  |
| 2016-06 | 5 | liquid assets <10%, capital falling |  |
| 2016-09 | 5 |  |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 5 |  |  |
| 2017-06 | 5 |  |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 5 |  |  |
| 2018-03 | 5 | expense ratio p90, uninsured deposits leaving | liquid assets <10%, capital falling |
| 2018-06 | 5 | liquid assets <10% | uninsured deposits leaving |
| 2018-09 | 6 | uninsured deposits leaving |  |
| 2018-12 | 5 |  | uninsured deposits leaving |
| 2019-03 | 5 | capital falling | brokered >10% |
| 2019-06 | 6 | brokered >10% |  |
| 2019-09 | 6 |  |  |
| 2019-12 | 4 |  | capital falling, brokered >10% |
| 2020-03 | 3 |  | expense ratio p90 |
| 2020-06 | 2 |  | wholesale funding >15% |
| 2020-09 | 4 | assets shrinking, uninsured deposits leaving |  |
| 2020-12 | 1 |  | liquid assets <10%, assets shrinking, uninsured deposits leaving |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 | expense ratio p90 | loans exceed deposits |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | losing money |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 | loans exceed deposits | losing money |
| 2023-03 | 2 |  |  |
| 2023-06 | 4 | liquid assets <10%, capital falling |  |
| 2023-09 | 5 | uninsured deposits leaving |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 5 | wholesale funding >15% | expense ratio p90 |
| 2024-06 | 4 |  | wholesale funding >15% |
| 2024-09 | 3 |  | uninsured deposits leaving |
| 2024-12 | 2 |  | liquid assets <10% |
| 2025-03 | 3 | liquid assets <10% |  |
| 2025-06 | 2 |  | liquid assets <10% |
| 2025-09 | 1 |  | capital falling |
| 2025-12 | 0 |  | loans exceed deposits |
| 2026-03 | 2 | capital falling, reserve under noncurrent |  |
| 2026-06 | 1 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-06-02 [Sporting to host groundbreaking ceremony June 18 for Central Bank Sporting Complex - sportingkc.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNUUlLdHZYRzZHU19NY18yS21odGcwYWZuT01SRVV6cWUycU5KSXRlckFUNjhTbXhuMVhIclVwOGE2SFRRRlluOTFwV0syM3RjbUNyX3M0VkdYYUxodkduNGZoRkRUakJyT0pDVVVSS3poUzEweHZYenpDQ3oyS2l6NlN3NWJiYkFtRHlweTVHeG1XQjdZbDg2TkFXck9HMjMwQ3Z6SHU2RWFXUDg?oc=5) · sportingkc.com
- 2021-02-24 [Local bank names new CEO - The Business Journals](https://news.google.com/rss/articles/CBMikgFBVV95cUxQUWVTRVlDdHJSQm5MUE03SXFMOUxVTU1zS2tvaDFMdWZPcS1wSWdqbTN0RGRTZHh0b2drZ3p2LXNJYnR2QW43dkx4MW9zTkh5YVFFMmlmTkcwb3VwR09pR0pycFJrUG1yUUZtbXFUNDltZ2E2enFpZGQybWtfOUlvaFpZZ0RDWHdjellmeGEySzlfUQ?oc=5) · The Business Journals
- 2019-02-05 [Cincinnati banks merge - The Business Journals](https://news.google.com/rss/articles/CBMiigFBVV95cUxNZjkyWDJGb1RYOHZVQzQ0eGhDMlV4Ynd5ZnB4R2owNWpCZ0ZUcGtkNUZqOEI4ZFRLYkJ2bUFmZFdzaUctRzlqSWFJdDVzakdveVRPc1J6LTc2b3dhRUhpLUxMR2ZIemhMUHBuVGJfYld5N2c0MGFmTFNGeEZOSHpLNVNNUVBEZ0d6NWc?oc=5) · The Business Journals
- 2015-11-10 [Cincy Business People: Who’s on the move? - Cincinnati Enquirer](https://news.google.com/rss/articles/CBMikwFBVV95cUxNcVdMVFc2ZnE5SHF1QXNTckJhVkNDSEhUQnQ2eE1qeUhtYk5EMmpjSnRUM084SWxJY2RsUGxWVW5MT2kyUnMyaUwzS3NOSFNpMy1kR2czRV9tZ1VZeHNRMnRSRzRBTjhYa0VLSHhTa0p6dmNPd1NWcTRDbU1wYlVJZjB5Vko0WHA0OExNa1dSazRrLVk?oc=5) · Cincinnati Enquirer
- 2013-12-07 [Mary Carol Demings-LeBaron Obituary Dec 7, 2013 - Magleby Mortuary](https://news.google.com/rss/articles/CBMicEFVX3lxTE54c2FQMHpXal9pUWpva21jOHFKUEJKYWp5VWhGbUVrMmRpU2d2ODd1d2I0ekczeFJ2UjFXZWFZZTBGenY3cmNUOW9ycEQwVzlCampBMWVEbGtHWV9KRlU5cnR1WlRGZFkwNnlDSFljV3A?oc=5) · Magleby Mortuary
- 2022-04-04 [NSC Recreation & Wellness Basketball Tournament Week 2 update - Amandala Newspaper](https://news.google.com/rss/articles/CBMikwFBVV95cUxQM1ZSdnhqaGRfZ2VWUWxJT0VWSXJUSzZxN3JLT0ZfMktDWjN3U1RZNHNwQzdhZGVxUU9VVm9tOVV0RGc0clNidUhJb2FBOUxianY2emhLWVJRNDV0cFo5R2JTbUxzYlNCWmFLSjFFSzB0a3BkOFZGLXg4RFZKNTVvYldvYVRLR2kzRmVVOXhjUVVEMUU?oc=5) · Amandala Newspaper
- 2024-02-21 [West Chester/Liberty Chamber Alliance annual awards dinner is Feb. 29 - Cincinnati Enquirer](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPYmlJWTNWWENvNTdYbUVOY1YwbGwzZTBOU0R6WXdVRV9ROGxVZ1hhWHl1SXZMR081WHBGMXp5UG1qbEMxRXVaMFJNZVRmQmhQam5UUXlxYnptN296alF5ZmtOQmw2clRrVXVXQ3dTbEIwVW1KaG1aNDBqcHR5X0RETEkwRVB1d3ZWZ3llTUxUdDlfOG42a1c0UEs1M045dUNHVEYtaEdTNm53LTZaelEzZEFuZTN4cXZYN09xVUlJZTdWcXZrcklnMA?oc=5) · Cincinnati Enquirer
- 2016-03-20 [Business people on the move - Cincinnati Enquirer](https://news.google.com/rss/articles/CBMihwFBVV95cUxNaVgwckpBX2YyalBQVS1vMkhRNHFWMVVPeXk3cHM5SlRraE9YTkJhamQ2MnpobDF3U2pQQ3RJQ0syekd5VTdBdVJpczBOaEVrNXN4Q1RnQjdDRWxWeTZOSHlqYWh2cE9uQklybjJBeTFTQ1FmY25HOWV2VVV6cS13MEYyUDlhcG8?oc=5) · Cincinnati Enquirer

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28555 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/11.json (key "28555", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide