BlastPoint

BlastPoint's Banking Scorecard

Valley Central Bank

$100M-$1B Specialty: Commercial OH FDIC cert 28555

Liberty Township, OH

3 branches across OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
  • Deposits +6.8% year over year ($146.0M on the books).
  • Delinquency rate 2.20%.
  • Return on assets 0.35%.
  • Efficiency ratio 87.84% vs a 64.48% peer average.
  • Loan-to-deposit ratio 96.33% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH
View $100M-$1B leaderboard (OH) →

Valley Central Bank faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 9.5% in tier
  • - Liquidity Overhang: Bottom 19.4% in tier
  • - Efficiency Drag: Bottom 37.7% in tier
  • - Return on Assets 0.97% below tier average
  • - Net Interest Margin 0.47% below tier average
  • - Delinquency Rate 1.28% above tier average
Get updates when Valley Central Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $186.7M
+2.2% YoY -0.4% QoQ
-$199.8M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
23%
Total Loans ? $140.6M
-2.5% YoY +2.6% QoQ
-$117.7M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
32%
Total Deposits ? $146.0M
+6.8% YoY -0.7% QoQ
-$180.8M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
20%
Return on Assets ? 0.35%
-14.0% YoY +31.7% QoQ
-0.97% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
Bottom 8.5% in tier
Net Interest Margin ? 3.52%
+0.8% YoY +4.0% QoQ
-0.47% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
28%
Efficiency Ratio ? 87.84%
+2.5% YoY -2.7% QoQ
+23.36% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
Bottom 7.4% in tier
Delinquency Rate ? 2.20%
+956.6% YoY +6.9% QoQ
+1.28% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
Bottom 11.1% in tier
Loan-to-Deposit Ratio ? 96.33%
-8.7% YoY +3.4% QoQ
+18.38% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
Bottom 14.5% in tier
Non-Interest-Bearing Deposit Share ? 18.79%
+3.6% YoY +2.1% QoQ
-3.24% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
39%
Nonperforming Asset Ratio ? 1.66%
+908.6% YoY +10.2% QoQ
+0.99% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
Bottom 10.3% in tier
Tier 1 Capital Ratio ? 20.06%
-1.0% YoY +0.4% QoQ
+4.15% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
Top 13.5% in tier
Non-Interest Income / Assets ? 0.19%
-0.2% YoY +146.2% QoQ
-0.37% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
47%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Noninterest-Bearing 18.8%
+0.6pp YoY
+0.4pp QoQ
 -3.4pp 22.1% 18.8% 22.2% 39%
Brokered Deposits 4.9%
-1.5pp YoY
0.0pp QoQ
 -3.0pp 7.9% 7.7% 8.5% 51%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 2.2%
-0.6pp YoY
-0.4pp QoQ
 -9.3pp 11.6% 10.2% 12.5% 7%
CRE 49.7%
+0.4pp YoY
-0.5pp QoQ
 +10.2pp 39.5% 34.2% 41.4% 70%
1-4 Family 47.5%
-0.2pp YoY
+0.6pp QoQ
 +14.9pp 32.6% 50.0% 31.3% 80%
Consumer 0.8%
+0.2pp YoY
+0.3pp QoQ
 -3.3pp 4.1% 4.7% 5.0% 25%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.1% 19.7% n/a
Leverage Ratio 20.1%
-0.2pp YoY
+0.1pp QoQ
 +7.9pp 12.2% 12.9% 12.6% 96%
Total Capital Ratio n/a n/a 19.9% 23.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 28
0 YoY
-1 (-3.4%) QoQ
 -31 58 2,433 482 24%
Assets per Employee ($) $6.7M
+2.2% YoY
+3.1% QoQ
 -$849K $7.5M $7.6M $8.8M 46%
Branch Count 3
0 YoY
0 QoQ
 -2 4 81 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 2.2%
+2.0pp YoY
+0.1pp QoQ
 +1.3pp 0.9% 0.6% 1.0% 89%
Allowance Coverage 0.58x
-90.2% YoY
-8.9% QoQ
 -23.57x 24.15x 18.95x 20.23x 13%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 1.7%
-0.3pp YoY
+0.4pp QoQ
 -10.5pp 12.2% 9.7% 11.6% 6%
Cost of Funds (YTD) 1.8%
-0.3pp YoY
-0.1pp QoQ
 +0.1pp 1.7% 1.7% 1.7% 56%
Net Income ($, YTD) $329,000
-11.3% YoY
— QoQ
 -$2.2M $2.6M $259.3M $40.4M 7%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Strain

risk
#67 of 691 • Bottom 9.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 96.33%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Liquidity Overhang

risk
#145 of 742 • Bottom 19.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 20.06%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 96.33%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ

Efficiency Drag

risk
#137 of 361 • Bottom 37.7% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 87.84%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

358
Tier 1 Capital Ratio
capital
Value: 20.06%
Peer Median: 15.91%
#358 of 2643 Top 13.5% in $100M-$1B

Top Weaknesses (7 metrics)

2449
Efficiency Ratio
profitability
Value: 87.84%
Peer Median: 64.48%
#2449 of 2643 Bottom 7.4% in $100M-$1B
2420
Return on Assets
profitability
Value: 0.35%
Peer Median: 1.32%
#2420 of 2643 Bottom 8.5% in $100M-$1B
2372
Nonperforming Asset Ratio
credit_quality
Value: 1.66%
Peer Median: 0.67%
#2372 of 2643 Bottom 10.3% in $100M-$1B
2342
Delinquency Rate
credit_quality
Value: 2.20%
Peer Median: 0.92%
#2342 of 2633 Bottom 11.1% in $100M-$1B
2261
Loan-to-Deposit Ratio
liquidity
Value: 96.33%
Peer Median: 77.95%
#2261 of 2643 Bottom 14.5% in $100M-$1B
2108
Total Deposits
size
Value: $145.97M
Peer Median: $326.73M
#2108 of 2643 Bottom 20.3% in $100M-$1B
2034
Total Assets
size
Value: $186.74M
Peer Median: $386.57M
#2034 of 2643 Bottom 23.1% in $100M-$1B
Powered by BlastPoint © 2026