OH lenders / Community Bank
Valley Central Bank
Community Bank · Liberty Township, OH · Valley Central Mhc
- Total assets
- $187.5M
- CRE loan book
- $68.9M
- QoQ CRE growth
- -1.5%
- Q1 2026
Recorded CRE activity — oh-butler County
3 commercial deeds of trust recorded recently, verified from county records.
- Aug 5, 2026 · unknownundisclosed
- Jul 8, 2026 · unknownundisclosed
- Jul 7, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.44% as of Q1 2026 — TX bank median 4.87% (0.57pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.44% | 5.45% |
| Q4 2025 | 5.64% | 5.65% |
| Q3 2025 | 5.80% | 5.82% |
| Q2 2025 | 5.68% | 5.69% |
| Q1 2025 | 5.57% | 5.58% |
| Q4 2024 | 5.49% | 5.50% |
| Q3 2024 | 5.38% | 5.41% |
| Q2 2024 | 5.26% | 5.28% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $68.9M | $2.1M | $14.6M | 120% | $2.4M |
| Q4 2025 | $69.9M | $2.1M | $13.9M | 120% | $0 |
| Q3 2025 | $68.3M | $2.1M | $14.0M | 121% | $0 |
| Q2 2025 | $71.1M | $2.3M | $14.8M | 120% | $0 |
| Q1 2025 | $75.3M | $2.4M | $15.8M | 130% | $0 |
| Q4 2024 | $71.6M | $2.3M | $16.0M | 121% | $0 |
| Q3 2024 | $70.5M | $2.1M | $16.1M | 119% | $0 |
| Q2 2024 | $67.5M | $2.2M | $15.7M | 116% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Citizens Community BankCommunity Bank · Hahira · $69.0M CRE book
- Exchange Bank & TrustCommunity Bank · Atchison · $69.3M CRE book
- Teutopolis State BankCommunity Bank · Teutopolis · $68.3M CRE book
- Hendricks County Bank and Trust CompanyCommunity Bank · Brownsburg · $68.1M CRE book
- The Citizens Bank CompanyCommunity Bank · Beverly · $68.1M CRE book
Last updated Aug 5, 2026 · Sources: FFIEC CDR, county records, first-party conversations.