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 The Ohio Valley Bank Company
The Ohio Valley Bank Company
| RSSD ID 498317 | CERTIFICATE 384 | ABA NUMBER 44204370 |
| 420 3rd Ave |
Quarter Ended : |
2025-12-31 |
| Gallipolis, Ohio, 45631 |
Updated : |
2026-01-30 |
| www.ovbc.com |
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| Institution Profile |
| Year Opened : |
1872 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FED |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
041 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
16 |
Number of Employees : |
231 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 1,567,392 |
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Total Interest Income | 82,759 |
| Total Liabilities | 1,404,834 |
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Total NonInterest Income | 11,773 |
| Total Bank Equity Capital | 162,558 |
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Total Interest Expense | 26,866 |
| Total Deposits | 1,334,465 |
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Total NonInterest Expense | 41,399 |
| Net Loans & Leases | 1,172,054 |
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Net Income | 15,737 |
| Loan Loss Allowance | 11,251 |
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Net Charge Offs | 1,221 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 1,150,848 |
| Total assets for the leverage ratio | 1,561,088 |
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Loans secured by real estate: | 892,317 |
| Tier 1 Leverage Ratio | 10.1 |
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Commercial and industrial loans | 106,870 |
| Off Balance Sheet Exposures (%) | 9.96 |
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Loans to individuals - Credit Cards | 5,707 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 77,756 |
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:· The Ohio Valley Bank Company
