BlastPoint's Banking Scorecard

Valley Central Bank

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

Liberty Township, OH

3 branches across OH

2664 banks in the $100M-$1B peer group nationally 98 in 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 1.2% in tier
- Liquidity Overhang: Bottom 19.8% in tier
- Efficiency Drag: Bottom 33.1% in tier
- Return on Assets 1.00% below tier average
- Net Interest Margin 0.55% below tier average
- Delinquency Rate 1.17% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$187.5M +3.3% YoY +0.4% QoQ	-$198.6M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	23%
Total Loans ?	$137.0M -9.3% YoY -2.8% QoQ	-$118.7M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	31%
Total Deposits ?	$147.0M +9.0% YoY +0.5% QoQ	-$181.0M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	20%
Return on Assets ?	0.27% -37.5% YoY -24.1% QoQ	-1.00%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	Bottom 7.2% in tier
Net Interest Margin ?	3.38% -2.3% YoY -1.3% QoQ	-0.55%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	25%
Efficiency Ratio ?	90.25% +6.7% YoY +3.0% QoQ	+24.96%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	Bottom 6.2% in tier
Delinquency Rate ?	2.06% +920.7% QoQ	+1.17%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	Bottom 12.0% in tier
Loan-to-Deposit Ratio ?	93.19% -16.8% YoY -3.3% QoQ	+16.55%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	18%
Non-Interest-Bearing Deposit Share ?	18.39% -0.4% YoY +11.4% QoQ	-3.63%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	38%
Nonperforming Asset Ratio ?	1.50% +888.4% QoQ	+0.86%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	Bottom 11.5% in tier
Tier 1 Capital Ratio ?	19.98% -2.3% YoY -1.5% QoQ	+4.15%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	Top 13.6% in tier
Non-Interest Income / Assets ?	0.08% +0.9% YoY -80.1% QoQ	-0.20%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	37%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#9 of 643 • Bottom 1.2% 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: 93.19%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#147 of 739 • Bottom 19.8% 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: 19.98%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 93.19%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Efficiency Drag

risk

#138 of 414 • Bottom 33.1% in tier

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

Why this signature

Efficiency Ratio: 90.25%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

362

Tier 1 Capital Ratio

capital

Value: 19.98%

Peer Median: 15.83%

#362 of 2664 Top 13.6% in $100M-$1B

Top Weaknesses (7 metrics)

2499

Efficiency Ratio

profitability

Value: 90.25%

Peer Median: 65.29%

#2499 of 2664 Bottom 6.2% in $100M-$1B

2472

Return on Assets

profitability

Value: 0.27%

Peer Median: 1.27%

#2472 of 2664 Bottom 7.2% in $100M-$1B

2359

Nonperforming Asset Ratio

credit_quality

Value: 1.50%

Peer Median: 0.64%

#2359 of 2664 Bottom 11.5% in $100M-$1B

2336

Delinquency Rate

credit_quality

Value: 2.06%

Peer Median: 0.89%

#2336 of 2654 Bottom 12.0% in $100M-$1B

2188

Loan-to-Deposit Ratio

liquidity

Value: 93.19%

Peer Median: 76.64%

#2188 of 2664 Bottom 17.9% in $100M-$1B

2122

Total Deposits

size

Value: $147.01M

Peer Median: $327.97M

#2122 of 2664 Bottom 20.4% in $100M-$1B

2039

Total Assets

size

Value: $187.51M

Peer Median: $386.08M

#2039 of 2664 Bottom 23.5% in $100M-$1B