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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 $75.9MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $1.1B23%Noninterest $0.3BQ3 2024Q2 2026

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 0.75%, down 44 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 1.45% of loans (+100 bps YoY), with net charge-offs at 0.04%.
  • 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.

Return on Assets (quarter, annualized)

0.75%-44 bps YoY

Net Interest Margin (quarter, annualized)

3.59%-19 bps YoY

Efficiency Ratio (quarter, annualized)

59.49%-163 bps YoY

Tier 1 Leverage Ratio

9.73%-54 bps YoY

NIM

5.18%Q2 ’245.46%Q2 ’255.48%Q2 ’26+13%-5%

Non-interest income vs. expense

2.91%Q2 ’242.75%Q2 ’252.52%Q2 ’26-6%-8%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.66%1.11%1.19%0.85%1.00%1.02%0.75%-44 bps
Return on Equity8.38%6.72%11.28%11.77%8.38%9.75%10.08%7.56%-420 bps
Net Interest Margin3.39%3.35%3.42%3.78%3.72%3.81%3.62%3.59%-19 bps
Efficiency Ratio70.08%77.80%64.34%61.12%62.99%56.76%61.77%59.49%-163 bps
Non-Interest Burden2.13%2.38%1.90%2.01%2.05%1.82%1.97%1.86%-15 bps
Growth
Asset Growth (YoY)14.13%11.28%10.34%7.79%5.16%5.32%10.94%10.02%+222 bps
Loan Growth (YoY)9.29%9.36%5.46%5.89%7.82%12.77%16.55%13.25%+737 bps
Deposit Growth (YoY)15.31%12.74%11.42%8.21%5.52%4.38%10.88%10.27%+206 bps
Asset Quality
Nonperforming Loans / Loans0.44%0.46%0.48%0.44%0.42%1.40%1.64%1.45%+100 bps
Net Charge-Offs / Loans0.17%0.16%0.16%0.10%0.12%0.06%0.08%0.04%-6 bps
Allowance / Loans0.93%0.94%0.96%0.97%1.00%0.95%1.05%1.32%+35 bps
Allowance Coverage of NPLs2.1x2.0x2.0x2.2x2.4x0.7x0.6x0.9x-1.3x
Capital
Tier 1 Leverage Ratio10.25%9.92%10.13%10.27%10.18%10.10%10.06%9.73%-54 bps
Total Risk-Based Capital10.25%9.92%10.13%10.27%10.18%10.10%10.06%9.73%-54 bps
Equity / Assets9.89%9.69%9.93%10.27%10.11%10.37%9.81%10.05%-22 bps
Liquidity & Funding
Loans / Deposits81.85%82.07%80.05%85.00%83.64%88.67%84.15%87.30%+230 bps
Liquid Assets / Assets4.48%4.85%6.33%2.48%4.82%2.16%6.61%3.75%+127 bps
CRE / Total Capitaln/an/an/an/a269%282%289%n/an/a