The Ohio Valley Bank Company
Gallipolis, Ohio, Gallia County
$1.6B in total assets, the 700th largest of 4,309 US banks and 21st of 160 headquartered in Ohio.
- FDIC certificate
- 384
- Established
- 1872
- Owned by
- Ohio Valley Banc Corp
- Primary regulator
- FED
- Website
- www.ovbc.com
At a glance
Compared with 27 banks headquartered in Ohio with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.6B | 56% | $1.6B | |
| Loans | $1.2B | 59% | $1.1B | |
| Deposits | $1.4B | 56% | $1.4B | |
| Return on assets | 0.91% | 8% | 1.21% | |
| Net interest margin | 3.88% | 59% | 3.62% | |
| Efficiency ratio | 60.6% | 59% | 58.4% | |
| Equity to assets | 10.05% | 37% | 10.27% | |
| Loans to deposits | 87% | 52% | 86% |
Growth
Total assets grew 6.2% a year over the last 5 years and 7.3% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Aug 2016 | The Milton Banking Company Wellston, OH | $135M |
| Nov 2000 | Jackson Savings Bank Jackson, OH, an affiliate under the same holding company | $16M |
| Aug 1991 | Civic Savings Bank Portsmouth, OH | $62M |
Where they operate
16 branches in 6 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Gallia County, OH | $729M | 76.9% | 1 of 5 |
| Mason County, WV | $192M | 40.9% | 1 of 4 |
| Jackson County, OH | $181M | 29.4% | 1 of 5 |
| Cabell County, WV | $162M | 5.4% | 9 of 13 |
| Pike County, OH | $97M | 34.4% | 2 of 3 |
| Lawrence County, OH | $53M | 7.2% | 6 of 7 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 4 branches since 2016 (12 to 16, +33.3%). 2 opened, 5 acquired, 3 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 12 | |||
| 2016 | Acquired The Milton Banking Company | 5 | 0 | +5 | 17 |
| 2019 | Closed Jackson | 0 | 1 | −1 | 16 |
| 2020 | Sold 2 branches to North Valley Bank | 0 | 2 | −2 | 14 |
| 2021 | Opened Point Pleasant | 1 | 0 | +1 | 15 |
| 2022 | Opened Ironton | 1 | 0 | +1 | 16 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 39% | 34% | |
| Commercial real estate | 24% | 29% | |
| Business (C&I) | 8% | 12% | |
| Multifamily | 8% | 7% | |
| Construction and land | 7% | 6% | |
| Consumer | 6% | 4% | |
| Farmland | 2% | 4% | |
| Agricultural | 0% | 1% | |
| Other | 5% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 39% | 56% | |
| Time deposits | 38% | 24% | |
| Noninterest-bearing | 23% | 20% |
Brokered deposits are 4.4% of deposits (peers 5.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.45% | 0.60% |
| Net charge-offs, annualized | 0.06% | 0.02% |
| Reserves to loans | 1.32% | 1.07% |
| Leverage ratio | 9.73% | 10.45% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Ohio
Largest competitors in Gallia County, OH
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/ohio-valley