The Ohio Valley Bank Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Ohio Valley Bank Company of Gallipolis, OH against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.74% | 1.46% | -0.72% | 16th bottom |
| ROAE | 7.56% | 12.72% | -5.16% | 18th bottom |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.82% | 3.85% | -0.03% | 58th above |
| Efficiency Ratio | 59.00% | 57.40% | +1.60% | 49th below |
| PPNR / Avg Assets | 1.71% | 1.88% | -0.17% | 49th below |
| Yield on Earning Assets | 5.83% | 5.72% | +0.11% | 67th above |
| Cost of Funds | 2.16% | 2.02% | +0.14% | 40th below |
| Net Interest Spread | 3.02% | 3.18% | -0.16% | 46th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.39% | 1.00% | +0.39% | 21st bottom |
| NPA / Total Assets | 1.04% | 0.76% | +0.28% | 23rd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.43% | -0.39% | 45th below |
| ACL / Total Loans | 1.32% | 1.31% | +0.01% | 72nd above |
| ACL / NPLs (Coverage) | 94.96% | 543.64% | -448.68% | 27th below |
| Texas Ratio | 10.23% | 7.39% | +2.84% | 23rd bottom |
| Provision / NCO | 1505.59% | 617.93% | +887.66% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.73% | 11.44% | -1.71% | 30th below |
| Equity / Assets | 10.05% | 11.34% | -1.29% | 44th below |
| TCE / Tangible Assets | 9.65% | 10.50% | -0.85% | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 87.30% | 86.95% | +0.35% | 53rd above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.61% | 85.55% | +2.06% | 44th below |
| Uninsured Deposit Ratio | 36.61% | 33.12% | +3.49% | 36th below |
| Wholesale Funding Ratio | 2.50% | 5.71% | -3.21% | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.02% | 9.68% | +0.34% | 76th top |
| Loan Growth (Y/Y) | 13.25% | 8.05% | +5.20% | 82nd top |
| Deposit Growth (Y/Y) | 10.27% | 7.87% | +2.40% | 76th top |
See The Ohio Valley Bank Company's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Ohio Valley Bank Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Ohio Valley Bank Company profile, how to read a UBPR, or how this data updates.