The Ohio Valley Bank Company
Gallipolis, OH
IDRSSD: 498317
Total Assets
$1.57B
Latest filing
Total Deposits
$1.33B
Latest filing
Net Interest Margin
4.10%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Ohio Valley Bank Company
420 3rd Ave
Gallipolis, OH 45631
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1872FDIC Certificate 296
Branches (15)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| The Ohio Valley Bank Company (Main) | 420 3rd Ave | Gallipolis, OH |
| MILTON BRANCH | 280 E Main St | Milton, WV |
| RIO GRANDE BRANCH | 27 N College Ave | Rio Grande, OH |
| JACKSON PIKE BRANCH | 3035 State Route 160 | Gallipolis, OH |
| EASTERN AVENUE BRANCH | 2145 Eastern Ave | Gallipolis, OH |
| POINT PLEASANT BRANCH | 328 Viand St | Point Pleasant, WV |
| BEND AREA OFFICE | 156 Mallard Lane | Mason, WV |
| WAVERLY BRANCH | 197 East Emmitt Avenue | Waverly, OH |
Showing 7 of 15
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1872 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 45631 |
| State and County Number | 39053 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 04 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Point Pleasant, WV-OH |
Operational Info
| Number of Employees | 230 |
| Domestic Offices | 16 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.ovbc.com |
| Data Updated | 01/30/2026 |
| CERT | 384 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.57B |
| Total Deposits | $1.33B |
| Total Liabilities | $1.40B |
| Total Equity Capital | $162.56M |
| Net Income | $3.90M |
| Net Loans and Leases | $1.17B |
| Assets Per Employee ($Millions) | $6.79M |
| Bank Premises and Fixed Assets | $20.43M |
| Cash and Balances due from Depository Institutions | $45.89M |
| Deposits Held in Domestic Offices | $1.33B |
Key Performance Ratios
| Return on Assets (ROA) | 1% |
| Return on Equity (ROE) | 9.75% |
| Net Interest Margin | 4.1% |
| Efficiency Ratio | 56.76% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.371% |
| Earning Assets to total Assets | 93.14% |
Income and Expense
| Total Interest Income | $22.11M |
| Total Noninterest Income | $3.08M |
| Total Interest Expense | $7.22M |
| Total Noninterest Expense | $10.20M |
| Net Interest Income | $14.89M |
| Pre-tax Net Operating Income | $7.42M |
| Provision for Credit Losses | $344.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $43.07M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $27.30M |
| Total Liabilities and Capital | $1.57B |
Securities
| Securities | $259.36M |
| Available-for-sale debt securities | $253.91M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $5.45M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Ohio Valley Bank Company?
$1.57B as of the latest filing.
How much are The Ohio Valley Bank Company's total deposits?
$1.33B in total deposits.
Where is The Ohio Valley Bank Company located?
Gallipolis, OH.
What is the Net Interest Margin?
4.10%.
How many domestic offices does it operate?
16.
When was it established?
01/01/1872.
What is the Return on Assets (ROA)?
1%.
How much are total loans and leases?
$1.17B (latest filing).
What is the total interest income (latest filing)?
$22.11M.