The Ohio Valley Bank Company
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Data as of · sourced from FFIEC call reports. How we update
The Ohio Valley Bank Company is an FDIC-insured commercial bank headquartered in Gallipolis, OH, established in 1872 (FDIC certificate 384), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.65B, up 10.0% from Q2 2025, the 21st largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.73% 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
- 384
- Headquarters
- Gallipolis, OH
- Established
- 1872
- Total assets, Q2 2026
- $1.65B
- Assets vs Q2 2025
- +10.0%
- Tier 1 leverage ratio, Q2 2026
- 9.73%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 044204370
- Latest call report
- Q2 2026, FFIEC 041 · The Ohio Valley Bank Company call report
- Holding company
- OHIO VALLEY BANC CORP.
- Asset rank in state
- 21st of 154 in Ohio
Problem loans are rising at The Ohio Valley Bank Company. Its balance sheet stood at $1.6 billion at June 30, 2026, up 10.0% from a year earlier; it is based in Gallipolis, Ohio. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.45% of loans from 0.44% a year earlier. It earns about $0.74 a year on every $100 of assets, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also carries problem assets equal to 10.2% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
The non-owner-occupied commercial real estate book ($201 million) is worsening: 4.19% of it is past due or on nonaccrual, up from 0.32% a year earlier. Earnings fell sharply: quarterly net income of $3.1 million was 30% below a year earlier.
As of June 30, 2026, The Ohio Valley Bank Company reported a return on assets of 0.74%, a nonperforming-loan ratio of 1.45% and a Texas ratio of 10.23%. The figures come from its call report filed with the FFIEC.
The Ohio Valley Bank Company ranks as the 21st largest of the 154 banks based in Ohio, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.0% to $1.65B, loans rose 2.6% and deposits fell 1.1%. 1-4 family residential loans made up 39.5% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 16.3%. The FDIC Summary of Deposits lists 16 offices for it, in 11 cities across 2 states; its Gallipolis 5 offices book 48% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Ohio Valley Bank Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 420 3rd Ave, Gallipolis, OH 45631
- County
- Gallia
- Metro Area
- Gallipolis, 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
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1872
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 231
- Domestic deposits
- $1.41B
- Allowance for credit losses
- $16.3M
- Net charge-offs (YTD)
- $358K
- Average total assets
- $1.67B
- Average total loans
- $1.21B
- Average interest-bearing deposits
- $1.10B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 384
- Fed RSSD
- 498317
- SEC CIK
- 894671 → filed by OHIO VALLEY BANC CORP.
- Website
- www.ovbc.com →
- Parent Holding Company
- OHIO VALLEY BANC CORP. (RSSD 2012436) · OVBC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Larry E Miller Ii | CEO | President & CEO |
| Thomas E Wiseman | CHR | CHAIRMAN |
| Scott W Shockey | CFO | EVP/CFO |
| Jones Ryan Joseph | COO | RISK OFFICER/COO |
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 Ohio Valley Bank Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Ohio Valley Bank Company's total assets ranged from $1.30B (Q3 2023) to $1.66B (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
$1.65B total assets against $1.50B; $1.48B total liabilities against $1.34B.
$1.22B net loans and leases against $1.08B; $1.41B total deposits against $1.28B.
$256.0M securities against $271.8M; $78.1M cash and balances due against $54.9M.
$22.9M total interest income against $20.5M; $7.9M total interest expense against $6.3M.
$14.9M net interest income against $14.1M.
$2.7M total noninterest income against $2.8M; $10.5M total noninterest expense against $10.3M.
$3.7M provision for credit losses against $1.1M.
$3.1M net income against $4.5M.
0.74% return on assets against 1.19%; 3.82% net interest margin against 4.05%.
9.73% tier 1 leverage ratio against 10.27%.
Inside the full The Ohio Valley Bank Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Ohio Valley Bank Company rankings
Its closest position to the top of a national ranking is 675 of 4,196, for total assets; its furthest is 2,973 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.65% (Q4 2024) to 1.19% (Q2 2025) and its net interest margin ran from 3.59% (Q4 2024) to 4.07% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.73% | 0.74% | 1.45% | 10.23% | 3.82% |
| Q1 2026 | 10.06% | 1.03% | 1.64% | 11.73% | 3.86% |
| Q4 2025 | 10.10% | 0.99% | 1.40% | 9.98% | 4.07% |
| Q3 2025 | 10.18% | 0.85% | 0.42% | 2.89% | 3.98% |
| Q2 2025 | 10.27% | 1.19% | 0.44% | 3.07% | 4.05% |
| Q1 2025 | 10.13% | 1.11% | 0.48% | 3.26% | 3.67% |
| Q4 2024 | 9.92% | 0.65% | 0.46% | 3.30% | 3.59% |
| Q3 2024 | 10.25% | 0.83% | 0.44% | 3.09% | 3.66% |
Swipe the table sideways to see every column.
Branch Network
View all 16 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 Ohio Valley Bank Company | Gallipolis , OH | 45631 | $510.9M |
| Point Pleasant Branch | Point Pleasant , WV | 25550 | $156.2M |
| Jackson Branch | Jackson , OH | 45640 | $126.9M |
| Jackson Pike Branch | Gallipolis , OH | 45631 | $103.0M |
| Waverly Branch | Waverly , OH | 45690 | $96.8M |
| Barboursville Branch | Barboursville , WV | 25504 | $82.0M |
| Milton Branch | Milton , WV | 25541 | $79.8M |
| Rio Grande Branch | Rio Grande , OH | 45674 | $56.6M |
| Ironton Branch | Ironton , OH | 45638 | $52.9M |
| Wellston Milton Branch | Wellston , OH | 45692 | $39.1M |
| Bend Area Office | Mason , WV | 25260 | $35.3M |
| Eastern Avenue Branch | Gallipolis , OH | 45631 | $33.7M |
| Holzer Medical Center Branch | Gallipolis , OH | 45631 | $23.3M |
| Oak Hill Branch | Oak Hill , OH | 45656 | $15.0M |
| Www.Ovbc.Com | Gallipolis , OH | 45631 | $1.6M |
| Point Pleasant North Branch | Point Pleasant , WV | 25550 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 6, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 6, 2016 | Structure Change | Acquired The Milton Banking Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 11, 2000 | Structure Change | Acquired Jackson Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 10, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 3, 1991 | Structure Change | Acquired Civic Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in OH, rank 39 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 369 applications, 328 loans originated, $94.6M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.2M approved, $1.2M 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
- Enforcement actions, 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 Ohio Valley Bank Company
What are The Ohio Valley Bank Company's total assets?
As of the Q2 2026 filing, The Ohio Valley Bank Company reported total assets of $1.65 billion in its FFIEC call report.
Where is The Ohio Valley Bank Company headquartered?
It is headquartered in Gallipolis, OH, United States.
When was The Ohio Valley Bank Company founded?
It was established in 1872, per the FDIC institution directory.
Is The Ohio Valley Bank Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #384). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Ohio Valley Bank Company?
The Ohio Valley Bank Company's primary federal regulator is the Federal Reserve.
How many branches does The Ohio Valley Bank Company operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Ohio Valley Bank Company's Texas Ratio?
Its Texas Ratio is 10.23% 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.
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