The Ohio Valley Bank Company: 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.
Reserve coverage of non-performing loans climbed 27.25 percentage points in Q2 2026, from 67.72% to 94.96%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Ohio Valley Bank Company is 109th of 156 on return on assets, 0.74% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. The Ohio Valley Bank Company sits 0.53 points lower, at 0.74% (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 | 9.73% |
| Equity capital to assets | 10.05% |
| Tangible equity to tangible assets | 9.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.39% |
| Non-performing assets ratio | 1.04% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 10.23% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | 94.96% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.74% |
| Return on equity | 7.56% |
| Net interest margin | 3.82% |
| Efficiency ratio | 59.00% |
| Yield on earning assets | 5.83% |
| Cost of funds | 2.16% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.30% |
| Core deposits to total deposits | 87.61% |
| Brokered deposits to total deposits | 4.38% |
| Deposits to assets | 85.84% |
| Securities to assets | 15.55% |
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 | 11.06% | 0.76% | 3.74% | 0.43% | 0.07% |
| Q4 2023 | 10.82% | 0.91% | 3.55% | 0.24% | 0.00% |
| Q1 2024 | 10.65% | 0.74% | 3.47% | 0.35% | 0.16% |
| Q2 2024 | 10.48% | 0.92% | 3.60% | 0.45% | -0.03% |
| Q3 2024 | 10.25% | 0.83% | 3.66% | 0.43% | 0.18% |
| Q4 2024 | 9.92% | 0.65% | 3.59% | 0.46% | 0.16% |
| Q1 2025 | 10.13% | 1.11% | 3.67% | 0.45% | 0.16% |
| Q2 2025 | 10.27% | 1.19% | 4.05% | 0.43% | 0.10% |
| Q3 2025 | 10.18% | 0.85% | 3.98% | 0.41% | 0.12% |
| Q4 2025 | 10.10% | 0.99% | 4.07% | 1.31% | 0.07% |
| Q1 2026 | 10.06% | 1.03% | 3.86% | 1.55% | 0.08% |
| Q2 2026 | 9.73% | 0.74% | 3.82% | 1.39% | 0.04% |
The Ohio Valley Bank Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Ohio Valley Bank Company, 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 Ohio Valley Bank Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 384) · FFIEC NIC profile (RSSD 498317)