B
The Ohio Valley Bank Company
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Ohio Valley Bank Company
Gallipolis, OH
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Rating B
Asset Quality Index 7.50
Capitalization Index 8.90
Liquidity Index 2.60
Profitability Index 5.40
Stability Index 8.50
Company Info The Ohio Valley Bank Company
Gallipolis, OH
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FDIC Number 384
Phone Number (740) 446-2631
Website www.ovbc.com
Asset Quality The Ohio Valley Bank Company
Gallipolis, OH
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1-Year Asset Growth 7.79%
5-Year Asset Growth 9.82%
5-Year Charge-Offs to Average Loans 0.12%
Charge-Offs to Average Loans 0.13%
Non-Performing Assets to Assets 0.31%
Non-Performing Loans to Capital 2.94%
Non-Performing Loans to Loans 0.43%
Balance Sheet The Ohio Valley Bank Company
Gallipolis, OH
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Total Assets 1.50B
Total Deposits 1.28B
Capital and Reserves The Ohio Valley Bank Company
Gallipolis, OH
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Capital 153.73M
Leverage Ratio 10.27
Loan Loss Reserves to Loans 0.97%
Risk-Based Capital Ratio --
Liquidity The Ohio Valley Bank Company
Gallipolis, OH
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Hot Money Ratio 16.99%
Liquidity Ratio 8.39%
Profitability The Ohio Valley Bank Company
Gallipolis, OH
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5-Year Return on Average Assets 0.88%
Net Income 8.58M
Net Interest Spread 3.86%
Operating Profit to Average Assets 1.43%
Overhead Efficiency Ratio 62.67%
Return on Assets 1.15%
Return on Equity 11.53%