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The Ohio Valley Bank Company

$1B-$10B Specialty: Commercial OH FDIC cert 384

Designations: ✓ Community bank

Gallipolis, OH

16 branches across OH · WV

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 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in OH.
  • Deposits +10.3% year over year ($1.4B on the books).
  • Delinquency rate 1.46%.
  • Return on assets 0.89%.
  • Efficiency ratio 60.61% vs a 59.73% peer average.
  • Loan-to-deposit ratio 86.15% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 28 in OH
View $1B-$10B leaderboard (OH) →

The Ohio Valley Bank Company faces 4 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

  • - Margin Compression: Bottom 16.5% in tier
  • - Capital Thin: Bottom 44.6% in tier
  • - Efficiency Ratio 0.89% above tier average
  • - Delinquency Rate 0.60% above tier average
Get updates when The Ohio Valley Bank Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $1.6B
+10.0% YoY -1.0% QoQ
-$1.1B $2.8B
-0.6% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
41%
Total Loans ? $1.2B
+12.9% YoY +2.3% QoQ
-$745.8M $2.0B
-0.3% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
44%
Total Deposits ? $1.4B
+10.3% YoY -1.1% QoQ
-$905.8M $2.3B
-0.5% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
42%
Return on Assets ? 0.89%
-22.7% YoY -12.7% QoQ
-0.50% 1.39%
+17.0% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
22%
Net Interest Margin ? 3.88%
-0.4% YoY +1.3% QoQ
+0.00% 3.87%
+6.2% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
61%
Efficiency Ratio ? 60.61%
-3.3% YoY -1.9% QoQ
+0.89% 59.73%
-12.6% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
45%
Delinquency Rate ? 1.46%
+228.0% YoY -11.8% QoQ
+0.60% 0.87%
+11.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
17%
Loan-to-Deposit Ratio ? 86.15%
+2.3% YoY +3.5% QoQ
+1.12% 85.04%
-0.1% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
53%
Non-Interest-Bearing Deposit Share ? 22.95%
-12.2% YoY -4.4% QoQ
+1.68% 21.27%
-1.5% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
64%
Nonperforming Asset Ratio ? 1.08%
+236.4% YoY -8.9% QoQ
+0.41% 0.67%
+11.7% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
19%
Tier 1 Capital Ratio ? 9.73%
-5.3% YoY -3.2% QoQ
-5.11% 14.84%
-0.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
Bottom 3.7% in tier
Non-Interest Income / Assets ? 0.33%
-13.9% YoY +102.7% QoQ
-0.20% 0.53%
+2.5% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
58%

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 23.0%
-3.2pp YoY
-1.0pp QoQ
 +1.6pp 21.4% 18.8% 22.2% 64%
Brokered Deposits 4.4%
+0.5pp YoY
-1.6pp QoQ
 -5.1pp 9.5% 7.7% 8.5% 45%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 8.6%
-1.5pp YoY
-0.1pp QoQ
 -5.4pp 14.0% 10.2% 12.5% 37%
CRE 39.5%
+3.0pp YoY
+0.7pp QoQ
 -10.5pp 50.0% 34.2% 41.4% 24%
1-4 Family 40.0%
+2.7pp YoY
+0.4pp QoQ
 +13.6pp 26.4% 50.0% 31.3% 82%
Consumer 5.9%
-2.6pp YoY
-0.5pp QoQ
 +1.2pp 4.7% 4.7% 5.0% 84%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 22.1% 19.7% n/a
Leverage Ratio 9.7%
-0.5pp YoY
-0.3pp QoQ
 -1.6pp 11.3% 12.9% 12.6% 30%
Total Capital Ratio n/a n/a 16.7% 23.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 231
-4 (-1.7%) YoY
-3 (-1.3%) QoQ
 -83 313 2,433 482 48%
Assets per Employee ($) $7.1M
+11.9% YoY
+0.3% QoQ
 -$3.4M $10.5M $7.6M $8.8M 25%
Branch Count 16
0 YoY
0 QoQ
 -4 20 81 18 53%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.2% 0.4% 66%
Nonaccrual 1.4%
+1.0pp YoY
-0.2pp QoQ
 +0.6pp 0.8% 0.6% 1.0% 84%
Allowance Coverage 0.91x
-58.4% YoY
+43.0% QoQ
 -17.80x 18.71x 18.95x 20.23x 20%
Net Charge-off Rate (YTD) 0.1%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 58%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 8.8%
-2.7pp YoY
-1.3pp QoQ
 -3.8pp 12.6% 9.7% 11.6% 24%
Cost of Funds (YTD) 2.0%
+0.2pp YoY
+0.1pp QoQ
 +0.1pp 1.9% 1.7% 1.7% 60%
Net Income ($, YTD) $7.2M
-16.0% YoY
— QoQ
 -$12.0M $19.2M $259.3M $40.4M 25%

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)

Margin Compression

decline
#15 of 85 • Bottom 16.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.89%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
85 of 85 Mid-Market banks match · 413 nationally
→ Stable +8 banks QoQ

Capital Thin

risk
#100 of 222 • Bottom 44.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.73%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

853
Tier 1 Capital Ratio
capital
Value: 9.73%
Peer Median: 14.84%
#853 of 885 Bottom 3.7% in $1B-$10B
733
Delinquency Rate
credit_quality
Value: 1.46%
Peer Median: 0.87%
#733 of 882 Bottom 17.0% in $1B-$10B
717
Nonperforming Asset Ratio
credit_quality
Value: 1.08%
Peer Median: 0.67%
#717 of 885 Bottom 19.1% in $1B-$10B
690
Return on Assets
profitability
Value: 0.89%
Peer Median: 1.39%
#690 of 885 Bottom 22.1% in $1B-$10B
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