21 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 15, 2026.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 15, 2026
Call-report figures are for Valley Central Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Valley Central Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Comparison with U.S. medians for fees published by banks and credit unions.
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 9.1% from Q3 2025 to Q2 2026, to $10K.
$10K
Valley Central BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Valley Central Bank · $187M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Valley Central Bank(this institution) | Liberty Township, OH | $187M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| BankPacific, Ltd | Hagatna, GU | $192M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bristol Morgan Bank | Oakfield, WI | $191M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Federal Savings Bank | Leavenworth, KS | $190M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Citizens Savings Bank and Trust Company | Nashville, TN | $188M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Bank | Topeka, KS | $189M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Farmers State Bank | West Salem, OH | $188M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Farmers Trust & Savings Bank | Williamsburg, IA | $192M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Federal Savings and Loan Association of Bath | Bath, ME | $189M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Federal Savings Bank of Champaign Urbana | Champaign, IL | $193M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Federal Savings of Middletown | Middletown, NY | $188M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First State Bank | Socorro, NM | $188M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Independence Bank | Independence, OH | $191M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| LNB Community Bank | Lynnville, IN | $181M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Peoples Bank | Paris, TX | $185M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Peoples Savings Bank | Wellsburg, IA | $189M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pine River State Bank | Pine River, MN | $185M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Prairie Community Bank | Marengo, IL | $188M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Bank of Bement | Bement, IL | $186M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Bank of Southwest Missouri | Springfield, MO | $184M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Raymond | Raymond, IL | $187M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The First State Bank of Malta | Malta, MT | $190M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Home National Bank of Thorntown | Thorntown, IN | $186M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Peoples Savings Bank | Urbana, OH | $189M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Union Savings Bank | Freeport, IL | $182M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Republic Bank | Elkhorn, NE | $186M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.48 among 17 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Valley Central Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Valley Central Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $10K | $0 | 0.0% |
| Q1 2026 | $10K | −$1K | −9.1% |
| Q4 2025 | $11K | $0 | 0.0% |
| Q3 2025 | $11K | +$16K | |
| Q2 2025 | -$5K | −$25K | |
| Q1 2025 | $20K | −$4K | −16.7% |
| Q4 2024 | $24K | $0 | 0.0% |
| Q3 2024 | $24K | −$2K | −7.7% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Valley Central Bank’s own schedules, with a source for each figure.
per month
per hour
per item
per year
per year
per year
per year
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account closed within 90 days of opening | $10 | Not stated | None |
| Dormant Account Fee (Incurred if no in person activity has taken place within 24 consecutive months) | $3 | per month | None |
| Escheatment Fee (Incurred if no in person activity has taken place within 60 consecutive months) | $20 | Not stated | None |
| Account Research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Fax Loan Payoff | $15 | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee | $27 | per item | None |
| Non-Sufficient Funds Fee (NSF) | $27 | per item | None |
ATM & Card | |||
| Replace ATM Card | $5 | Not stated | None |
| Replace Debit Card | $10 | Not stated | None |
Wire Transfers | |||
| Wire Transfers for Customers: Outgoing | $30 | Not stated | None |
| Wire Transfers for Customers: Incoming | No charge | Not stated | None |
| Foreign Wire Outgoing | $40 | Not stated | None |
| Foreign Wire Incoming | No charge | Not stated | None |
Check Services | |||
| Cashiers Check | $5 | per item | None |
| Money Orders | $1 | Not stated | None |
| Stop Payment | $20 | per item | None |
| Stop Payment on Cashier's Check (lost or stolen only) | $10 | per item | None |
| Stop Payment on Money Order (lost or stolen only) | $10 | per item | None |
| Foreign Check Collection Fee | $5 | per item | None |
| Copy of Check | $3 | per item | None |
| Copy of Money Order | $3 | per item | None |
Cash & Deposit | |||
| Return Deposit Item | $10 | per item | None |
Account Services | |||
| Notary Services - Customers | No charge | Not stated | None |
| Late Fee (15 days past due) | $5Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10x10 | $100 | Not stated | None |
| Safe Deposit Box 10x10 | $100 | per year | None |
| Safe Deposit Box 3x10 | $35 | Not stated | None |
| Safe Deposit Box 3x10 | $35 | per year | None |
| Safe Deposit Box 3x5 | $20 | Not stated | None |
| Safe Deposit Box 3x5 | $20 | per year | None |
| Safe Deposit Box 5x10 | $45 | Not stated | None |
| Safe Deposit Box 5x10 | $45 | per year | None |
| Safe Deposit Box 5x5 | $40 | Not stated | None |
| Safe Deposit Box 5x5 | $40 | per year | None |
| Garnishments, Executions, & Levies | $20 | per item | None |
| Written verification of Account | $5 | Not stated | None |
Other Fees | |||
| Fax | $5 | Not stated | None |
Oct 15, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Valley Central Bank operates, and what regulators and customers have on file.
In Cincinnati, OH-KY-IN, Valley Central Bank holds 0.1% of bank deposits, #34 of 54, with 3 offices.
699 offices of 95 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 54 institutions shown. $187.5B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.1% share, 3 offices, #34 of 54
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
109 offices of 42 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.