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Ohio Valley Bank Company, The

Gallipolis, OH · Cert 384 · Ohio Valley Banc Corp.

State charter, Fed member · FED · 16 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

18

Q2 2024Q2 2026peer median (50)

Asset Quality

26

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

86

Q2 2024Q2 2026peer median

Efficiency

47

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Ohio Valley Bank Company, The

Gallipolis, OH · Cert 384 · Ohio Valley Banc Corp.

State charter, Fed member · FED · 16 branches

Q2 2026

$1.6BAssets
$1.2BLoans
$1.4BDeposits
$165.4MEquity
Loan mix
84%RE $955.5M9%C&I $103.3M7%Consumer $75.9MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $1.1B23%Noninterest $0.3BQ2 2025Q2 2026

NIM

5.05%Q2 ’245.29%Q2 ’255.36%Q2 ’26+11%-2%

Non-interest income vs. expense

2.89%Q2 ’242.72%Q2 ’252.52%Q2 ’26-6%-4%

Market Position · Huntington-Ashland, WV-KY-OH · 2026 SOD (annual) · 2.7% share · #17 of 26 inst. · $0.2B of $8.0B

76.9% Gallia
40.9% Mason
29.4% Jackson
5.4% Cabell

Executive Summary

  • Earnings: ROA of 0.89%, down 26 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 1.45% of loans (+100 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 9.73%, down 54 bps from a year ago.
  • Funding: loans stand at 87.30% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.89%-26 bps YoY

Net Interest Margin (YTD, annualized)

3.53%-6 bps YoY

Efficiency Ratio (YTD, annualized)

60.61%-206 bps YoY

Tier 1 Leverage Ratio

9.73%-54 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.15%1.05%1.03%1.02%0.89%-26 bps
Return on Equity11.53%10.46%10.26%10.08%8.81%-272 bps
Net Interest Margin3.59%3.59%3.58%3.62%3.53%-6 bps
Efficiency Ratio62.67%62.78%61.18%61.77%60.61%-206 bps
Non-Interest Burden1.95%1.96%1.89%1.97%1.87%-8 bps
Growth
Asset Growth (YoY)7.79%5.16%5.32%10.94%10.02%+222 bps
Loan Growth (YoY)5.89%7.82%12.77%16.55%13.25%+737 bps
Deposit Growth (YoY)8.21%5.52%4.38%10.88%10.27%+206 bps
Asset Quality
Nonperforming Loans / Loans0.44%0.42%1.40%1.64%1.45%+100 bps
Net Charge-Offs / Loans0.13%0.12%0.10%0.08%0.06%-7 bps
Allowance / Loans0.97%1.00%0.95%1.05%1.32%+35 bps
Allowance Coverage of NPLs2.2x2.4x0.7x0.6x0.9x-1.3x
Capital
Tier 1 Leverage Ratio10.27%10.18%10.10%10.06%9.73%-54 bps
Total Risk-Based Capital10.27%10.18%10.10%10.06%9.73%-54 bps
Equity / Assets10.27%10.11%10.37%9.81%10.05%-22 bps
Liquidity & Funding
Loans / Deposits85.00%83.64%88.67%84.15%87.30%+230 bps
Liquid Assets / Assets2.48%4.82%2.16%6.61%3.75%+127 bps
CRE / Total Capitaln/a269%282%289%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Ohio Valley Bank Company, The

Gallipolis, OH · Cert 384 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Ohio Valley Banc Corp.

State charter, Fed member · FED · 16 branches

Q2 2026

$1.6BAssets
$1.2BLoans
$1.4BDeposits
$165.4MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 47% of banks $1B-$10B in assets operating regionally (rank 95 of 176).
  • Widest gap: total risk-based capital ratio trails 95% of banks $1B-$10B in assets operating regionally (rank 168 of 176).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.88%

Rank 142 of 176

Net Interest Margin

3.53%

Rank 96 of 176

Efficiency Ratio

60.61%

Rank 95 of 176

Equity / Assets

10.05%

Rank 98 of 176

Non-interest income vs. expense

$10.9M$42.2MINCOMEEXPENSE
Unfavorable gap of $31.3M · efficiency ratio beats 47% of banks $1B-$10B in assets operating regionally
Bank 60.61%Peer median 59.6%Q3 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.88%0.93%1.26%1.54%Beats 19%142 / 176
Return on Equity8.72%9.26%11.89%14.46%Beats 21%139 / 176
Net Interest Margin3.53%3.25%3.59%3.93%Beats 45%96 / 176
Efficiency Ratio60.61%52.79%59.55%67.66%Beats 47%95 / 176
Asset Quality
Nonperforming Loans / Loans1.45%0.30%0.64%1.32%Beats 19%143 / 176
Net Charge-Offs / Loans0.08%0.01%0.04%0.10%Beats 32%122 / 176
Capital
Tier 1 Capital Ratio9.73%11.15%12.72%14.15%Beats 5%168 / 176
Total Risk-Based Capital Ratio9.73%11.81%13.63%15.33%Beats 5%168 / 176
Equity / Assets10.05%9.16%10.35%11.80%Beats 44%98 / 176
Liquidity & Funding
Loans / Deposits87.30%80.94%89.73%97.21%41st pctl104 / 176
Loans / Assets74.94%69.25%75.12%80.82%49th pctl90 / 176
Brokered Deposits / Depositsn/aNot reported for this institution