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The Ohio Valley Bank Company
Gallipolis, OH · FDIC Certificate #384 · Chartered 01/0
Total assets
$1.65B
Total deposits
$1.41B
Total equity
$165.44M
Net loans
$1.22B
Branches (offices)
16
Net income (YTD)
$7.21M
Rank: #683 of 4,213 U.S. banks by assets · #21 of 155 in Ohio. Assets changed 10.0% and deposits 10.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.89% |
| Return on equity | 8.81% |
| Net interest margin (YTD) | 3.88% |
| Equity to assets | 10.05% |
| Tier 1 leverage ratio | 9.73% |
| Uninsured deposits (share of deposits) | 36.6% |
| Noncurrent loans (share of loans) | 1.45% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 86.2% |
| Real estate loans (share of loans) | 81.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $989.34M | 81.3% | |
| Commercial & industrial | $104.14M | 8.6% | |
| Consumer / individual | $72.13M | 5.9% | |
| Construction & development | $92.22M | 7.6% | |
| Agricultural | $1.17M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.24B | $1.08B | $5.27M | $125.80M |
| Jun 2023 | $1.26B | $1.08B | $6.32M | $131.50M |
| Jun 2024 | $1.39B | $1.18B | $5.74M | $139.84M |
| Jun 2025 | $1.50B | $1.28B | $8.58M | $153.73M |
| Jun 2026 | $1.65B | $1.41B | $7.21M | $165.44M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $1.06B | 11 |
| West Virginia | $353.36M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.41B.
Similar-sized banks
Benchmark Bank ($1.65B) · Forcht Bank, National Association ($1.65B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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