What is The Ohio Valley Bank Company's financial health grade?

The Ohio Valley Bank Company has a TFS Financial Health Grade of D (score: 66.6/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does The Ohio Valley Bank Company have?

The Ohio Valley Bank Company has 16 branch locations across the United States.

Is The Ohio Valley Bank Company FDIC insured?

Yes, The Ohio Valley Bank Company is FDIC insured (Certificate #384).

What are the total assets of The Ohio Valley Bank Company?

The Ohio Valley Bank Company has total assets of $1.6B as reported in its most recent FDIC filing.

The Ohio Valley Bank Company

BankGallipolis, Ohio

www.ovbc.com

Total Assets

$1.6B

Total Deposits

$1.3B

Branches

Established

1872

TFS Health Grade

66.6 / 100

Below average financial health

How we grade

The Ohio Valley Bank Company is a bank headquartered in Gallipolis, Ohio, established in 1872. With $1.6B in total assets and 16 branch locations, it has a TFS Financial Health Grade of D (66.6/100).

Capital & Safety

Tier 1 Capital Ratio

10.10%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

1.40%

Profitability

Return on Assets (ROA)

1.03%(1%)

Return on Equity (ROE)

10.26%(10%)

Net Interest Margin

3.97%

Efficiency Ratio

61.18%(60%)

Lending & Liquidity

Total Loans

$1.2B

Loan-to-Deposit Ratio

87.83%

Net Charge-Off Ratio

0.11%

Growth

Asset Growth (YoY)

+5.32%

Deposit Growth (YoY)

+4.38%

Net Income

$15.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
The Ohio Valley Bank CompanyHQ	420 3rd Ave	Gallipolis	OH	11
The Ohio Valley Bank Company	2145 Eastern Ave	Gallipolis	OH	12
The Ohio Valley Bank Company	420 3rd Ave	Gallipolis	OH	13
The Ohio Valley Bank Company	100 Jackson Pike	Gallipolis	OH	12
The Ohio Valley Bank Company	3035 State Route 160	Gallipolis	OH	11
The Ohio Valley Bank Company	1013 Ironton Hills Dr	Ironton	OH	11
The Ohio Valley Bank Company	740 E Main St	Jackson	OH	11
The Ohio Valley Bank Company	116 Jackson St	Oak Hill	OH	11
The Ohio Valley Bank Company	27 N College Ave	Rio Grande	OH	11
The Ohio Valley Bank Company	197 East Emmitt Avenue	Waverly	OH	11
The Ohio Valley Bank Company	123 S Ohio Ave	Wellston	OH	11
The Ohio Valley Bank Company	6431 Us Route 60 E	Barboursville	WV	11
The Ohio Valley Bank Company	156 Mallard Lane	Mason	WV	12
The Ohio Valley Bank Company	280 E Main St	Milton	WV	11
The Ohio Valley Bank Company	2509 Jackson Ave	Point Pleasant	WV	23
The Ohio Valley Bank Company	328 Viand St	Point Pleasant	WV	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.