HOCKING VALLEY BANK, THE

ATHENS, OH | Small | Est. Feb. 12, 1919, midnight | FDIC #18858 | RSSD #230610 | FED
Latest Report: 2025-12-31

HOCKING VALLEY BANK, THE is asn small FDIC-insured commercial bank headquartered in ATHENS, OH, established in Feb. 12, 1919, midnight. As of 2025-12-31, the bank reported total assets of $356M and total deposits of $316M. Profitability stands at 1.33% ROA and 12.78% ROE, with a net interest margin of 3.91%. The bank's CET1 capital ratio is 10.20%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.32% and a Texas Ratio of 1.71%. FDIC Certificate #18858.

Assets

$356M

Deposits

$316M

Loans

$206M

Equity

$36M

Profitability

Return on Assets (ROA) 1.33%
Return on Equity (ROE) 12.78%
Net Interest Margin (NIM) 3.91%
Yield on Assets 5.05%
Cost of Funds 1.19%

Asset Quality

NPL Ratio 0.32%
Net Charge-Off Ratio 0.01%
Texas Ratio 1.71%
NPA Ratio 0.19%
ACL / Loans 1.23%

Capital & Liquidity

CET1 Ratio 10.20%
Tier 1 Capital 10.20%
Total Capital Ratio 10.71%
Leverage Ratio 10.74%
Loan-to-Deposit 65.05%

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