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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

$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