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The Hocking Valley Bank

$100M-$1B Specialty: Commercial OH FDIC cert 18858

Athens, OH

5 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 +1.5% year over year ($312.0M on the books).
  • Delinquency rate 0.54%.
  • Return on assets 1.37%.
  • Efficiency ratio 55.94% vs a 64.48% peer average.
  • Loan-to-deposit ratio 65.64% 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) →

The Hocking Valley Bank has 2 strengths but faces 3 concerns

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

  • + Efficiency Ratio 8.54% below tier average
  • + Delinquency Rate 0.38% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 23.2% in tier
  • - Credit Quality Pressure: Bottom 49.8% in tier
  • - Net Interest Margin 0.19% below tier average
Get updates when The Hocking Valley 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 ? $354.0M
+2.4% YoY -3.5% QoQ
-$32.5M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
55%
Total Loans ? $204.8M
+2.5% YoY +1.4% QoQ
-$53.5M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
49%
Total Deposits ? $312.0M
+1.5% YoY -4.3% QoQ
-$14.7M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
57%
Return on Assets ? 1.37%
+29.1% YoY +5.6% QoQ
+0.05% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
57%
Net Interest Margin ? 3.80%
+9.9% YoY +3.6% QoQ
-0.19% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
42%
Efficiency Ratio ? 55.94%
-10.0% YoY -1.2% QoQ
-8.54% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
69%
Delinquency Rate ? 0.54%
+230.5% YoY +107.9% QoQ
-0.38% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
44%
Loan-to-Deposit Ratio ? 65.64%
+1.0% YoY +5.9% QoQ
-12.31% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
76%
Non-Interest-Bearing Deposit Share ? 29.90%
-6.1% YoY -0.7% QoQ
+7.87% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
82%
Nonperforming Asset Ratio ? 0.40%
+316.6% YoY +175.1% QoQ
-0.27% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
45%
Tier 1 Capital Ratio ? 11.44%
+3.4% YoY +3.1% QoQ
-4.46% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
28%
Non-Interest Income / Assets ? 0.18%
+14.0% YoY +124.6% QoQ
-0.39% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
44%

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 29.9%
-2.0pp YoY
-0.2pp QoQ
 +7.8pp 22.1% 18.8% 22.2% 82%
Brokered Deposits n/a n/a 7.9% 7.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 13.8%
-1.5pp YoY
-0.7pp QoQ
 +2.2pp 11.6% 10.2% 12.5% 71%
CRE 34.2%
+2.1pp YoY
+0.9pp QoQ
 -5.4pp 39.5% 34.2% 41.4% 42%
1-4 Family 50.4%
+0.1pp YoY
+0.5pp QoQ
 +17.8pp 32.6% 50.0% 31.3% 83%
Consumer 1.5%
-0.5pp YoY
-0.3pp QoQ
 -2.6pp 4.1% 4.7% 5.0% 39%

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 11.4%
+0.4pp YoY
+0.3pp QoQ
 -0.7pp 12.2% 12.9% 12.6% 57%
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 39
-4 (-9.3%) YoY
-4 (-9.3%) QoQ
 -20 58 2,433 482 40%
Assets per Employee ($) $9.1M
+12.9% YoY
+6.4% QoQ
 +$1.6M $7.5M $7.6M $8.8M 80%
Branch Count 5
0 YoY
0 QoQ
 0 4 81 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.2pp YoY
 -0.1pp 0.3% 0.2% 0.4% 63%
Nonaccrual 0.4%
+0.2pp YoY
+0.1pp QoQ
 -0.6pp 0.9% 0.6% 1.0% 43%
Allowance Coverage 2.30x
-70.3% YoY
-51.7% QoQ
 -21.85x 24.15x 18.95x 20.23x 51%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 38%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 13.2%
+2.4pp YoY
+0.4pp QoQ
 +1.0pp 12.2% 9.7% 11.6% 57%
Cost of Funds (YTD) 1.0%
+0.1pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.7% 1.7% 11%
Net Income ($, YTD) $2.5M
+36.1% YoY
— QoQ
 -$98K $2.6M $259.3M $40.4M 61%

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 (2)

Credit Risk Growth

risk
#218 of 936 • Bottom 23.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#626 of 1256 • Bottom 49.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.54%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

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 (2 metrics)

482
Non-Interest-Bearing Deposit Share
funding
Value: 29.90%
Peer Median: 22.03%
#482 of 2643 Top 18.2% in $100M-$1B
644
Loan-to-Deposit Ratio
liquidity
Value: 65.64%
Peer Median: 77.95%
#644 of 2643 Top 24.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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