Valley Central Bank is a bank based in Liberty Township, Ohio, established in 1884, with $188 million in total assets across 3 branches. By Trust Grade it ranks 96th of 157 banks we track in Ohio. Its capital ratio of 20.2% is stronger than 97% of similarly sized banks, versus a Ohio median of 10.3%. It was profitable over the most recent period, with a 0.27% return on assets. No consumer complaints against Valley Central Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Valley Central Bank compares to Ohio peers
How we graded Valley Central Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (20.2% capital ratio)
- Profitable (ROA 0.27%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Valley Central Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 6550 Princeton Glendale Rd, Liberty Township, OH 45011
- 701 N University Blvd, Middletown, OH 45042
- 115 W Benson St, Reading, OH 45215
Are deposits at Valley Central Bank insured?
Yes. Valley Central Bank is an FDIC-insured bank (FDIC certificate #28555). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Valley Central Bank: frequently asked questions
Is Valley Central Bank a good bank?
Valley Central Bank earns a Bankzia Trust Grade of A (92/100, "Excellent"), based on a financial-strength score of 92/100 (it has no CFPB complaints on record). Strongly capitalized (20.2% capital ratio); Profitable (ROA 0.27%).
Is Valley Central Bank FDIC-insured?
Yes. Valley Central Bank is a FDIC-insured bank (FDIC certificate #28555). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Valley Central Bank?
Valley Central Bank holds $188 million in total assets, ranking 96th of 157 banks we track in Ohio. It operates 3 branches.
Does Valley Central Bank have CFPB complaints?
No CFPB complaints against Valley Central Bank appear in our data over the analysis window, which is typical for a bank of this size.
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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
