The Hocking Valley Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 73.91 percentage points lower than in Q1 2026, at 278.13%. The Hocking Valley Bank ranks 34th of 156 Ohio banks on return on assets, in the upper half at 1.43% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Hocking Valley Bank sits 0.18 points higher, at 1.43% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.44% |
| Equity capital to assets | 10.87% |
| Tangible equity to tangible assets | 10.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.44% |
| Non-performing assets ratio | 0.34% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 3.86% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of non-performing loans | 278.13% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.43% |
| Return on equity | 13.58% |
| Net interest margin | 3.86% |
| Efficiency ratio | 55.17% |
| Yield on earning assets | 4.87% |
| Cost of funds | 1.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.46% |
| Core deposits to total deposits | 86.78% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.13% |
| Securities to assets | 27.31% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.66% | 0.83% | 2.78% | 0.43% | -0.06% |
| Q4 2023 | 10.99% | 0.73% | 2.91% | 0.27% | 0.00% |
| Q1 2024 | 10.57% | 0.80% | 2.72% | 0.31% | 0.00% |
| Q2 2024 | 10.97% | 0.73% | 2.84% | 0.33% | 0.00% |
| Q3 2024 | 11.07% | 1.01% | 3.07% | 0.30% | 0.02% |
| Q4 2024 | 11.35% | 0.98% | 3.25% | 0.30% | -0.00% |
| Q1 2025 | 11.19% | 1.04% | 3.33% | 0.25% | 0.00% |
| Q2 2025 | 11.06% | 1.08% | 3.45% | 0.25% | 0.00% |
| Q3 2025 | 11.10% | 1.26% | 3.63% | 0.23% | 0.05% |
| Q4 2025 | 10.74% | 1.30% | 3.67% | 0.42% | -0.00% |
| Q1 2026 | 11.10% | 1.31% | 3.66% | 0.35% | 0.02% |
| Q2 2026 | 11.44% | 1.43% | 3.86% | 0.44% | -0.01% |
The Hocking Valley Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Hocking Valley Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Hocking Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18858) · FFIEC NIC profile (RSSD 230610)