B
The Ohio Valley Bank Company
Rating Date
August 2026
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 4.90
Capitalization Index 8.10
Liquidity Index 2.40
Profitability Index 3.40
Stability Index 8.60
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 10.02%
5-Year Asset Growth 6.75%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 1.04%
Non-Performing Loans to Capital 10.01%
Non-Performing Loans to Loans 1.39%
Balance Sheet The Ohio Valley Bank Company
Gallipolis, OH
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Total Assets 1.65B
Total Deposits 1.41B
Capital and Reserves The Ohio Valley Bank Company
Gallipolis, OH
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Capital 165.44M
Leverage Ratio 9.73
Loan Loss Reserves to Loans 1.32%
Risk-Based Capital Ratio --
Liquidity The Ohio Valley Bank Company
Gallipolis, OH
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Hot Money Ratio 23.01%
Liquidity Ratio 10.70%
Profitability The Ohio Valley Bank Company
Gallipolis, OH
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5-Year Return on Average Assets 0.92%
Net Income 7.21M
Net Interest Spread 3.84%
Operating Profit to Average Assets 1.08%
Overhead Efficiency Ratio 60.61%
Return on Assets 0.88%
Return on Equity 8.82%