The Hocking Valley Bank: how it compares with its peers
Against 61 OH banks with half to twice its assets, The Hocking Valley Bank's strongest measure in Q2 2026 is efficiency ratio (55.94% vs. a 72.34% peer median). Its weakest relative measure is net interest margin (3.80% vs. 3.66%).
| Measure | The Hocking Valley Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.37% | 0.87% | Top third Ahead of 84% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.80% | 3.66% | Middle third Ahead of 56% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.94% | 72.34% | Top third Ahead of 85% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.1M | $6.4M | Top third Ahead of 82% of peers |
| Loans to deposits Net loans and leases over total deposits. | 65.64% | 82.45% | Context |
What it means for lending operations
Its efficiency ratio of 55.94% is better than the 72.34% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Farmers & Merchants Bank Miamisburg, OH · $359M
- RiverHills Bank Milford, OH · $341M
- The Citizens Bank Company Beverly, OH · $335M
- First Federal Community Bank of Bucyrus Bucyrus, OH · $374M
- New Carlisle Federal Savings Bank New Carlisle, OH · $330M
- The Farmers State Bank New Madison, OH · $330M
Questions about The Hocking Valley Bank
How big is The Hocking Valley Bank?
The Hocking Valley Bank, established in 1919, is headquartered in Athens, OH. It reported $354M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is The Hocking Valley Bank's return on assets?
1.37% annualized in Q2 2026, against a 0.87% median for 61 OH banks with half to twice its assets, ahead of 84% of them.
What is The Hocking Valley Bank's efficiency ratio?
55.94% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 72.34%, and lower is better.
Is The Hocking Valley Bank growing its loans?
Net loans grew 2.5% over the year to Q2 2026, while deposits grew 1.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.