OHIO VALLEY BANK COMPANY, THE

GALLIPOLIS, OH | Large | Est. Jan. 1, 1872, midnight | FDIC #384 | RSSD #498317 | FED
Latest Report: 2025-12-31

OHIO VALLEY BANK COMPANY, THE is aln large FDIC-insured commercial bank headquartered in GALLIPOLIS, OH, established in Jan. 1, 1872, midnight. As of 2025-12-31, the bank reported total assets of $1.6B and total deposits of $1.3B. Profitability stands at 1.00% ROA and 9.75% ROE, with a net interest margin of 4.15%. The bank's CET1 capital ratio is 9.51%. Asset quality metrics show a non-performing loan ratio of 1.31% and a Texas Ratio of 8.89%. FDIC Certificate #384.

Assets

$1.6B

Deposits

$1.3B

Loans

$1.2B

Equity

$163M

Profitability

Return on Assets (ROA) 1.00%
Return on Equity (ROE) 9.75%
Net Interest Margin (NIM) 4.15%
Yield on Assets 6.16%
Cost of Funds 2.73%

Asset Quality

NPL Ratio 1.31%
Net Charge-Off Ratio 0.10%
Texas Ratio 8.89%
NPA Ratio 0.99%
ACL / Loans 0.95%

Capital & Liquidity

CET1 Ratio 9.51%
Tier 1 Capital 9.51%
Total Capital Ratio 9.98%
Leverage Ratio 10.10%
Loan-to-Deposit 88.67%

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