Gallipolis, OH · Cert 384 · Ohio Valley Banc Corp.
State charter, Fed member · FED · 16 branches
Q2 2026
Market Position · Huntington-Ashland, WV-KY-OH · 2026 SOD (annual) · 2.7% share · #17 of 26 inst. · $0.2B of $8.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.79% | 1.11% | 1.15% | 1.05% | 1.03% | 1.02% | 0.89% | -26 bps | |
| Return on Equity | 8.30% | 7.92% | 11.28% | 11.53% | 10.46% | 10.26% | 10.08% | 8.81% | -272 bps | |
| Net Interest Margin | 3.21% | 3.15% | 3.42% | 3.59% | 3.59% | 3.58% | 3.62% | 3.53% | -6 bps | |
| Efficiency Ratio | 71.18% | 72.99% | 64.34% | 62.67% | 62.78% | 61.18% | 61.77% | 60.61% | -206 bps | |
| Non-Interest Burden | 2.05% | 2.07% | 1.90% | 1.95% | 1.96% | 1.89% | 1.97% | 1.87% | -8 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 / Loans | 0.44% | 0.46% | 0.48% | 0.44% | 0.42% | 1.40% | 1.64% | 1.45% | +100 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.11% | 0.16% | 0.13% | 0.12% | 0.10% | 0.08% | 0.06% | -7 bps | |
| Allowance / Loans | 0.93% | 0.94% | 0.96% | 0.97% | 1.00% | 0.95% | 1.05% | 1.32% | +35 bps | |
| Allowance Coverage of NPLs | 2.1x | 2.0x | 2.0x | 2.2x | 2.4x | 0.7x | 0.6x | 0.9x | -1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.25% | 9.92% | 10.13% | 10.27% | 10.18% | 10.10% | 10.06% | 9.73% | -54 bps | |
| Total Risk-Based Capital | 10.25% | 9.92% | 10.13% | 10.27% | 10.18% | 10.10% | 10.06% | 9.73% | -54 bps | |
| Equity / Assets | 9.89% | 9.69% | 9.93% | 10.27% | 10.11% | 10.37% | 9.81% | 10.05% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.85% | 82.07% | 80.05% | 85.00% | 83.64% | 88.67% | 84.15% | 87.30% | +230 bps | |
| Liquid Assets / Assets | 4.48% | 4.85% | 6.33% | 2.48% | 4.82% | 2.16% | 6.61% | 3.75% | +127 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 269% | 282% | 289% | n/a | n/a | |