BlastPoint's Banking Scorecard

The Ohio Valley Bank Company

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

Designations: ✓ Community bank

Gallipolis, OH

16 branches across OH · WV

884 banks in the $1B-$10B peer group nationally 28 in OH

The Ohio Valley Bank Company faces 3 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

- ROA 0.35% below tier average
- Efficiency Ratio 0.71% above tier average
- Delinquency Rate 0.77% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$1.7B +10.9% YoY +6.1% QoQ	-$1.2B	$2.8B -0.1% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	41%
Total Loans ?	$1.2B +16.4% YoY +1.5% QoQ	-$775.0M	$2.0B +0.6% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	42%
Total Deposits ?	$1.4B +10.9% YoY +7.1% QoQ	-$914.2M	$2.3B -0.3% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	43%
Return on Assets ?	1.02% -8.1% YoY -1.7% QoQ	-0.35%	1.37% +19.6% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	34%
Net Interest Margin ?	3.82% +3.7% YoY -3.7% QoQ	+0.01%	3.82% +6.9% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	62%
Efficiency Ratio ?	61.77% -4.0% YoY +1.0% QoQ	+0.71%	61.06% -4.6% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	43%
Delinquency Rate ?	1.66% +243.8% YoY +17.1% QoQ	+0.77%	0.89% +14.1% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	Bottom 12.3% in tier
Loan-to-Deposit Ratio ?	83.26% +5.0% YoY -5.2% QoQ	-0.94%	84.20% +0.3% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	59%
Non-Interest-Bearing Deposit Share ?	24.00% -4.7% YoY +0.6% QoQ	+2.71%	21.29% -2.5% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	68%
Nonperforming Asset Ratio ?	1.19% +260.9% YoY +12.1% QoQ	+0.51%	0.67% +15.6% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	16%
Tier 1 Capital Ratio ?	10.06% -0.7% YoY -0.4% QoQ	-5.10%	15.16% +2.0% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	Bottom 5.3% in tier
Non-Interest Income / Assets ?	0.16% -18.2% YoY -78.3% QoQ	-0.09%	0.26% +1.6% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	58%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

838

Tier 1 Capital Ratio

capital

Value: 10.06%

Peer Median: 15.16%

#838 of 884 Bottom 5.3% in $1B-$10B

773

Delinquency Rate

credit_quality

Value: 1.66%

Peer Median: 0.89%

#773 of 880 Bottom 12.3% in $1B-$10B

745

Nonperforming Asset Ratio

credit_quality

Value: 1.19%

Peer Median: 0.67%

#745 of 884 Bottom 15.8% in $1B-$10B