The Ohio Valley Bank Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 3.16 percentage points in Q2 2026, from 84.15% to 87.30%. It was the largest change from Q1 2026 among the key lines here. The Ohio Valley Bank Company ranks 58th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 87.30% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; The Ohio Valley Bank Company reported 87.30% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.23B |
| Net loans and leases | $1.22B |
| Loans held for sale | $210K |
| Loans to total assets | 74.94% |
| Loan-to-deposit ratio | 87.30% |
| Net loans to equity capital | 7.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.57% |
| Multifamily (5+ residential) | 7.96% |
| Commercial and industrial | 8.44% |
| Consumer | 5.85% |
| Credit cards | 0.47% |
| Farm | 1.73% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 4.55% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 220.47% |
| Construction concentration (Tier 1 capital + allowance) | 51.78% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.46% |
| Interest income on loans | $19.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $949.2M | $1.10B | 19.48% | 9.03% | 13.76% |
| Q4 2023 | $959.5M | $1.13B | 19.32% | 9.04% | 13.29% |
| Q1 2024 | $978.3M | $1.16B | 19.08% | 9.37% | 12.53% |
| Q2 2024 | $1.03B | $1.18B | 20.29% | 8.95% | 11.50% |
| Q3 2024 | $1.04B | $1.27B | 20.59% | 8.58% | 10.87% |
| Q4 2024 | $1.05B | $1.28B | 20.98% | 8.56% | 10.05% |
| Q1 2025 | $1.03B | $1.29B | 22.15% | 9.36% | 9.50% |
| Q2 2025 | $1.09B | $1.28B | 22.38% | 9.95% | 8.43% |
| Q3 2025 | $1.12B | $1.34B | 23.24% | 9.41% | 7.73% |
| Q4 2025 | $1.18B | $1.33B | 23.04% | 8.35% | 6.86% |
| Q1 2026 | $1.20B | $1.43B | 23.58% | 8.59% | 6.31% |
| Q2 2026 | $1.23B | $1.41B | 23.57% | 8.44% | 5.85% |
The Ohio Valley Bank Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Ohio Valley Bank Company, freeSource: Call Report Schedule RC-C, 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 Ohio Valley Bank Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 384) · FFIEC NIC profile (RSSD 498317)