Valley Central Bank first opened its doors on June 16 1884 in the back of what was known as the Fladungs Hotel and Saloon located at 421 Benson St. The association then known as the German Building and Loan grew largely because it filled a need for home loans that most banks of that time had little interest. In November of 1919 the building and loan changed its name to Valley Central and relocated to 423 Benson St. In 1961 construction began for a new building located at 115 West Benson St.
In July of 2015 Valley Central Bank opened its second location and new main office. This state of the art retail facility is located in Liberty Township on Princeton Glendale Road. The location houses the operations center for the company.
In April of 2018 Valley Central answered the need for expanded Mortgage Loan products with the opening of our Loan Production Office in Montgomery. This facility located at 8160 Corporate Drive, suite 135 in Montgomery houses 3 Loan officers, underwriting and mortgage operations.
In the spring of 2019 the merger between American Savings Bank of Middletown and Valley Central Bank gave Valley Central one more location in Butler County, 701 N. University Blvd in Middletown. We now have 265 years of combined banking experience
Over the years Valley Central Bank has played a vital role in the community by providing home mortgages and loans to small businesses as well as deposit products to fit all needs. As a leader in the community, Valley Central Bank has solidified its reputation as a friendly, helpful, and customer centric organization.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154