Bank Comparison
Ohio Valley Bank Company, the vs State Bank and Trust Company, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 14
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Ohio Valley Bank Company, the | State Bank and Trust Company, the |
|---|---|---|
| CET1 Ratio | — | 12.21% |
| Tier 1 Capital Ratio | — | 12.21% |
| Total Capital Ratio | — | 13.47% |
| Tier 1 Leverage Ratio | 10.06% | 9.91% |
| Equity / Assets | 9.81% | 10.08% |
Profitability
| Metric | Ohio Valley Bank Company, the | State Bank and Trust Company, the |
|---|---|---|
| Return on Assets (ROA) | 1.03% | 1.16% |
| Return on Equity (ROE) | 10.08% | 11.75% |
| Net Interest Margin (NIM) | 3.86% | 3.58% |
| Yield on Earning Assets | 5.83% | 5.29% |
| Cost of Funds | 2.09% | 1.80% |
Asset quality
| Metric | Ohio Valley Bank Company, the | State Bank and Trust Company, the |
|---|---|---|
| Texas Ratio | 11.73% | 3.09% |
| Non-Performing Loan Ratio | 1.55% | 0.32% |
| Non-Performing Asset Ratio | 1.12% | 0.29% |
| Net Charge-Off Ratio | 0.08% | 0.01% |
| ACL / Loans | 1.05% | 1.38% |
Balance sheet
| Metric | Ohio Valley Bank Company, the | State Bank and Trust Company, the |
|---|---|---|
| Total Assets | $1,663M | $1,597M |
| Total Deposits | $1,429M | $1,382M |
| Total Loans | $1,202M | $1,188M |
| Total Equity | $163,224K | $160,962K |
| Net Income (quarter) | $4,106K | $4,664K |
Liquidity & funding
| Metric | Ohio Valley Bank Company, the | State Bank and Trust Company, the |
|---|---|---|
| Loan-to-Deposit Ratio | 84.15% | 85.95% |
| Core Deposit Ratio | 92.52% | 95.87% |
| Uninsured Deposit Ratio | 36.41% | 26.49% |
Identity
| Metric | Ohio Valley Bank Company, the | State Bank and Trust Company, the |
|---|---|---|
| Headquarters City | GALLIPOLIS | DEFIANCE |
| Headquarters State | OH | OH |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 16 | 29 |
| Employees (FTE) | 234 | 250 |
| Established | Jan. 1, 1872, midnight | March 28, 1902, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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