The Ohio Valley Bank Company: how it compares with its peers
Against 26 OH banks with half to twice its assets, The Ohio Valley Bank Company's strongest measure in Q2 2026 is net interest margin (3.88% vs. a 3.64% peer median). Its weakest relative measure is return on assets (0.89% vs. 1.23%).
| Measure | The Ohio Valley Bank Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.89% | 1.23% | Bottom third Ahead of 12% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.88% | 3.64% | Middle third Ahead of 62% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.61% | 59.35% | Middle third Ahead of 46% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $7.4M | Middle third Ahead of 46% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.15% | 82.79% | Context |
What it means for lending operations
Its efficiency ratio of 60.61% is above the 59.35% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The State Bank and Trust Company Defiance, OH · $1.61B
- THE VINTON COUNTY NATIONAL BANK Mcarthur, OH · $1.59B
- Main Street Bank Corp. Wooster, OH · $1.55B
- Sutton Bank Attica, OH · $1.74B
- Waterford Bank, N.A. Toledo, OH · $1.77B
- The Union Bank Company Columbus Grove, OH · $1.44B
Questions about The Ohio Valley Bank Company
How big is The Ohio Valley Bank Company?
The Ohio Valley Bank Company, established in 1872, is headquartered in Gallipolis, OH. It reported $1.65B in total assets in its Q2 2026 FDIC call report and operates 16 offices.
What is The Ohio Valley Bank Company's return on assets?
0.89% annualized in Q2 2026, against a 1.23% median for 26 OH banks with half to twice its assets, ahead of 12% of them.
What is The Ohio Valley Bank Company's efficiency ratio?
60.61% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 59.35%, and lower is better.
Is The Ohio Valley Bank Company growing its loans?
Net loans grew 12.9% over the year to Q2 2026, while deposits grew 10.3%.
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.