The Hocking Valley Bank
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Data as of · sourced from FFIEC call reports. How we update
The Hocking Valley Bank is an FDIC-insured commercial bank headquartered in Athens, OH, established in 1919 (FDIC certificate 18858), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $354.0M, up 2.4% from Q2 2025, the 67th largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.44% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 18858
- Headquarters
- Athens, OH
- Established
- 1919
- Total assets, Q2 2026
- $354.0M
- Assets vs Q2 2025
- +2.4%
- Tier 1 leverage ratio, Q2 2026
- 11.44%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 044201030
- Latest call report
- Q2 2026, FFIEC 051 · The Hocking Valley Bank call report
- Holding company
- HOCKING VALLEY BANCSHARES, INC.
- Asset rank in state
- 67th of 154 in Ohio
Problem loans are rising at The Hocking Valley Bank. Its balance sheet stood at $354 million at June 30, 2026, up 2.4% from a year earlier; it is based in Athens, Ohio. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.54% of loans from 0.16% a year earlier. It pays an average of 1.10% on its deposits and borrowings, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%).
The commercial and industrial book ($28 million) is worsening: 11.67% of it is past due or on nonaccrual, up from 0.06% a year earlier. Earnings jumped: net income for the quarter was $1.3 million, 37% above the same quarter a year earlier.
As of June 30, 2026, The Hocking Valley Bank reported a return on assets of 1.43%, a nonperforming-loan ratio of 0.54% and a Texas ratio of 3.41%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Hocking Valley Bank is the 67th largest of the 154 banks headquartered in Ohio. From Q1 2026 to Q2 2026, its total assets fell 3.5% to $354.0M, loans rose 1.4% and deposits fell 4.3%. 1-4 family residential loans made up 49.8% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 15.5%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in OH; its Athens 2 offices book 80% of its branch deposits. On its Q2 2026 call report, The Hocking Valley Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 7 W Stimson Ave, Athens, OH 45701
- County
- Athens
- Metro Area
- Athens, OH
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 12, 1919
- Former names
- The Hocking Valley Bank (1995); Hocking Valley Bank (1994-1995)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 39
- Domestic deposits
- $312.0M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- $5K
- Average total assets
- $358.8M
- Average total loans
- $207.3M
- Average interest-bearing deposits
- $219.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1963
- FDIC Cert
- 18858
- Fed RSSD
- 230610
- Website
- https://www.hvbonline.com →
- Parent Holding Company
- HOCKING VALLEY BANCSHARES, INC. (RSSD 2170868)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Hocking Valley Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Hocking Valley Bank's total assets ran between $329.5M (Q4 2024) and $366.9M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$354.0M total assets against $345.8M; $315.5M total liabilities against $311.2M.
$204.8M net loans and leases against $199.8M; $312.0M total deposits against $307.4M.
$96.7M securities against $93.7M; $36.7M cash and balances due against $36.1M.
$4.2M total interest income against $3.7M; $869K total interest expense against $814K.
$3.3M net interest income against $2.9M.
$342K total noninterest income against $280K; $2.0M total noninterest expense against $2.0M.
$17K provision for credit losses against -$28K.
$1.3M net income against $939K.
1.43% return on assets against 1.08%; 3.86% net interest margin against 3.45%.
11.44% tier 1 leverage ratio against 11.06%.
Inside the full The Hocking Valley Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Hocking Valley Bank rankings
Its closest position to the top of a national ranking is 1,277 of 3,606, for efficiency ratio; its furthest is 2,226 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.98% (Q4 2024) to 1.43% (Q2 2026) and its net interest margin ran from 3.07% (Q3 2024) to 3.86% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.44% | 1.43% | 0.54% | 3.41% | 3.86% |
| Q1 2026 | 11.10% | 1.31% | 0.26% | 1.33% | 3.66% |
| Q4 2025 | 10.74% | 1.30% | 0.33% | 1.75% | 3.67% |
| Q3 2025 | 11.10% | 1.26% | 0.34% | 1.75% | 3.63% |
| Q2 2025 | 11.06% | 1.08% | 0.16% | 0.88% | 3.45% |
| Q1 2025 | 11.19% | 1.04% | 0.16% | 0.90% | 3.33% |
| Q4 2024 | 11.35% | 0.98% | 0.22% | 1.24% | 3.25% |
| Q3 2024 | 11.07% | 1.01% | 0.25% | 1.45% | 3.07% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Hocking Valley Bank | Athens , OH | 45701 | $218.7M |
| Albany Branch | Albany , OH | 45710 | $32.8M |
| Court Street Branch | Athens , OH | 45701 | $31.3M |
| Coolville Branch | Coolville , OH | 45723 | $15.3M |
| The Plains Branch | The Plains , OH | 45780 | $13.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- February 5, 2004, Federal Reserve: Civil Money Penalty $9,500.: Hocking Valley Bank, Athens, OH
- Period: Most recent institution action February 5, 2004. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 76 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.6M approved, $1.6M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Hocking Valley Bank
What are The Hocking Valley Bank's total assets?
As of the Q2 2026 filing, The Hocking Valley Bank reported total assets of $354.0 million in its FFIEC call report.
Where is The Hocking Valley Bank headquartered?
It is headquartered in Athens, OH, United States.
When was The Hocking Valley Bank founded?
It was established in 1919, per the FDIC institution directory.
Is The Hocking Valley Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18858). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Hocking Valley Bank?
The Hocking Valley Bank's primary federal regulator is the Federal Reserve.
How many branches does The Hocking Valley Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Hocking Valley Bank's Texas Ratio?
Its Texas Ratio is 3.41% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Hocking Valley Bank previously called?
The charter now named The Hocking Valley Bank has also operated as The Hocking Valley Bank (1995), Hocking Valley Bank (1994-1995), per FDIC structure-change records.
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